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$49,028
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,553
−HK$1,550/mo
Today · 4.125%
HK$52,103
baseline
▲ 0.50% · 4.625%
HK$55,273
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,206/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,543
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,006
−HK$1,484/mo
Today · 4.125%
HK$57,490
baseline
▲ 0.50% · 4.625%
HK$60,520
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,980/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,834
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,859/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$66,327
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$1,781/mo
Today · 4.125%
HK$68,988
baseline
▲ 0.50% · 4.625%
HK$72,624
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,976/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,639
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,774
−HK$2,170/mo
Today · 4.125%
HK$72,944
baseline
▲ 0.50% · 4.625%
HK$77,382
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,888/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,360
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,078/mo
Today · 4.125%
HK$80,486
baseline
▲ 0.50% · 4.625%
HK$84,729
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,972/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,250
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$90,996
−HK$2,789/mo
Today · 4.125%
HK$93,785
baseline
▲ 0.50% · 4.625%
HK$99,491
+HK$5,706/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,570/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,178
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,811
−HK$2,671/mo
Today · 4.125%
HK$103,482
baseline
▲ 0.50% · 4.625%
HK$108,937
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,964/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,111 · Scale 2, in force from 26 Feb 2026)