The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,891
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,381
−HK$1,514/mo
Today · 4.125%
HK$50,895
baseline
▲ 0.50% · 4.625%
HK$53,992
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,790/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,279
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,449/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,117
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,470
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,257
−HK$1,817/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,790
+HK$3,716/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,649
−HK$1,740/mo
Today · 4.125%
HK$67,389
baseline
▲ 0.50% · 4.625%
HK$70,941
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,778/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,048
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$2,119/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,588
+HK$4,335/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,590
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,591
−HK$2,029/mo
Today · 4.125%
HK$78,620
baseline
▲ 0.50% · 4.625%
HK$82,764
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,240/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,205
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,886
−HK$2,724/mo
Today · 4.125%
HK$91,610
baseline
▲ 0.50% · 4.625%
HK$97,185
+HK$5,575/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,220/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,902
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,474
−HK$2,609/mo
Today · 4.125%
HK$101,083
baseline
▲ 0.50% · 4.625%
HK$106,411
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,166/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,268 · Scale 2, in force from 26 Feb 2026)