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$46,524
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,971
−HK$1,471/mo
Today · 4.125%
HK$49,442
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,884/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,758
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,146
−HK$1,408/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,430
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,829
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,566
−HK$1,764/mo
Today · 4.125%
HK$59,330
baseline
▲ 0.50% · 4.625%
HK$62,940
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,660/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,109
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,775
−HK$1,690/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$68,916
+HK$3,451/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,134
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,160
−HK$2,058/mo
Today · 4.125%
HK$69,218
baseline
▲ 0.50% · 4.625%
HK$73,430
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,436/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,461
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,404
−HK$1,972/mo
Today · 4.125%
HK$76,376
baseline
▲ 0.50% · 4.625%
HK$80,402
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,752/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,744
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,349
−HK$2,646/mo
Today · 4.125%
HK$88,995
baseline
▲ 0.50% · 4.625%
HK$94,410
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,990/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,164
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,663
−HK$2,534/mo
Today · 4.125%
HK$98,197
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,394/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,308 · Scale 2, in force from 26 Feb 2026)