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$48,357
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,861
−HK$1,528/mo
Today · 4.125%
HK$51,389
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,778/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,797
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,464/mo
Today · 4.125%
HK$56,703
baseline
▲ 0.50% · 4.625%
HK$59,692
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,406/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,028
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,833
−HK$1,834/mo
Today · 4.125%
HK$61,667
baseline
▲ 0.50% · 4.625%
HK$65,420
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,334/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,556
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,287
−HK$1,757/mo
Today · 4.125%
HK$68,044
baseline
▲ 0.50% · 4.625%
HK$71,630
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,088/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,700
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,806
−HK$2,139/mo
Today · 4.125%
HK$71,945
baseline
▲ 0.50% · 4.625%
HK$76,323
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,890/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,315
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,335
−HK$2,049/mo
Today · 4.125%
HK$79,384
baseline
▲ 0.50% · 4.625%
HK$83,569
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,768/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,043
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,750
−HK$2,751/mo
Today · 4.125%
HK$92,501
baseline
▲ 0.50% · 4.625%
HK$98,129
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,002/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,834
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,431
−HK$2,635/mo
Today · 4.125%
HK$102,066
baseline
▲ 0.50% · 4.625%
HK$107,446
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,132/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,681 · Scale 2, in force from 26 Feb 2026)