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$49,263
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,795
−HK$1,557/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,538
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,804
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,274
−HK$1,491/mo
Today · 4.125%
HK$57,765
baseline
▲ 0.50% · 4.625%
HK$60,810
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,530/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,115
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,868/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,529
−HK$1,789/mo
Today · 4.125%
HK$69,318
baseline
▲ 0.50% · 4.625%
HK$72,972
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,636/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,968
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,113
−HK$2,180/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,753
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,726
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,784
−HK$2,087/mo
Today · 4.125%
HK$80,871
baseline
▲ 0.50% · 4.625%
HK$85,134
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,742/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,673
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,431
−HK$2,803/mo
Today · 4.125%
HK$94,234
baseline
▲ 0.50% · 4.625%
HK$99,968
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,468/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,648
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,294
−HK$2,684/mo
Today · 4.125%
HK$103,978
baseline
▲ 0.50% · 4.625%
HK$109,458
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,956/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,407 · Scale 2, in force from 26 Feb 2026)