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$46,760
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,214
−HK$1,478/mo
Today · 4.125%
HK$49,692
baseline
▲ 0.50% · 4.625%
HK$52,716
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,384/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,020
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,415
−HK$1,415/mo
Today · 4.125%
HK$54,830
baseline
▲ 0.50% · 4.625%
HK$57,720
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,660/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,112
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,773/mo
Today · 4.125%
HK$59,630
baseline
▲ 0.50% · 4.625%
HK$63,259
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,260/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,424
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,098
−HK$1,698/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,264
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,464
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,500
−HK$2,069/mo
Today · 4.125%
HK$69,569
baseline
▲ 0.50% · 4.625%
HK$73,802
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,138/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,828
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$1,981/mo
Today · 4.125%
HK$76,762
baseline
▲ 0.50% · 4.625%
HK$80,809
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,524/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,168
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,786
−HK$2,660/mo
Today · 4.125%
HK$89,446
baseline
▲ 0.50% · 4.625%
HK$94,888
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,892/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,636
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,147
−HK$2,547/mo
Today · 4.125%
HK$98,694
baseline
▲ 0.50% · 4.625%
HK$103,897
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,388/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,635 · Scale 2, in force from 26 Feb 2026)