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$46,985
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,446
−HK$1,485/mo
Today · 4.125%
HK$49,931
baseline
▲ 0.50% · 4.625%
HK$52,969
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,862/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,270
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,672
−HK$1,422/mo
Today · 4.125%
HK$55,094
baseline
▲ 0.50% · 4.625%
HK$57,998
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,188/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,136
−HK$1,781/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,563
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,406
−HK$1,707/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,779
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$2,079/mo
Today · 4.125%
HK$69,904
baseline
▲ 0.50% · 4.625%
HK$74,157
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,808/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,178
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,141
−HK$1,991/mo
Today · 4.125%
HK$77,132
baseline
▲ 0.50% · 4.625%
HK$81,197
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,264/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,573
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,203
−HK$2,673/mo
Today · 4.125%
HK$89,876
baseline
▲ 0.50% · 4.625%
HK$95,345
+HK$5,469/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,752/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,086
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,610
−HK$2,559/mo
Today · 4.125%
HK$99,169
baseline
▲ 0.50% · 4.625%
HK$104,397
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,338/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,505 · Scale 2, in force from 26 Feb 2026)