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$47,892
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,513/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$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,279
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,450/mo
Today · 4.125%
HK$56,158
baseline
▲ 0.50% · 4.625%
HK$59,118
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,316/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,470
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,258
−HK$1,816/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,791
+HK$3,717/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$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,650
−HK$1,740/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,049
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$2,118/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$4,336/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$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,591
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,592
−HK$2,029/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$82,765
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,206
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,887
−HK$2,725/mo
Today · 4.125%
HK$91,612
baseline
▲ 0.50% · 4.625%
HK$97,186
+HK$5,574/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,224/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,903
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,475
−HK$2,609/mo
Today · 4.125%
HK$101,084
baseline
▲ 0.50% · 4.625%
HK$106,413
+HK$5,329/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,168/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,294 · Scale 2, in force from 26 Feb 2026)