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$46,525
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,972
−HK$1,471/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,408/mo
Today · 4.125%
HK$54,555
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,110/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,830
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,567
−HK$1,764/mo
Today · 4.125%
HK$59,331
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,662/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,690/mo
Today · 4.125%
HK$65,466
baseline
▲ 0.50% · 4.625%
HK$68,917
+HK$3,451/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,932/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$2,059/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,462
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$1,971/mo
Today · 4.125%
HK$76,377
baseline
▲ 0.50% · 4.625%
HK$80,403
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,754/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,745
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,350
−HK$2,647/mo
Today · 4.125%
HK$88,997
baseline
▲ 0.50% · 4.625%
HK$94,412
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,994/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,166
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,664
−HK$2,535/mo
Today · 4.125%
HK$98,199
baseline
▲ 0.50% · 4.625%
HK$103,375
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,398/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,345 · Scale 2, in force from 26 Feb 2026)