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$46,972
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,485/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,955
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,256
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,422/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,366
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,120
−HK$1,781/mo
Today · 4.125%
HK$59,901
baseline
▲ 0.50% · 4.625%
HK$63,546
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,802/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,707
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,389
−HK$1,706/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$69,579
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,761
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,806
−HK$2,079/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$74,137
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,158
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$1,991/mo
Today · 4.125%
HK$77,111
baseline
▲ 0.50% · 4.625%
HK$81,175
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,222/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,550
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,180
−HK$2,672/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$95,319
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,061
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,559/mo
Today · 4.125%
HK$99,142
baseline
▲ 0.50% · 4.625%
HK$104,368
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,284/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,945 · Scale 2, in force from 26 Feb 2026)