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$46,514
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,470/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,439
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,746
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,134
−HK$1,408/mo
Today · 4.125%
HK$54,542
baseline
▲ 0.50% · 4.625%
HK$57,417
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,084/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,817
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,553
−HK$1,764/mo
Today · 4.125%
HK$59,317
baseline
▲ 0.50% · 4.625%
HK$62,926
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,634/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,096
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,761
−HK$1,689/mo
Today · 4.125%
HK$65,450
baseline
▲ 0.50% · 4.625%
HK$68,900
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,900/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,120
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,145
−HK$2,058/mo
Today · 4.125%
HK$69,203
baseline
▲ 0.50% · 4.625%
HK$73,414
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,406/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,445
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,388
−HK$1,971/mo
Today · 4.125%
HK$76,359
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,718/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,329
−HK$2,646/mo
Today · 4.125%
HK$88,975
baseline
▲ 0.50% · 4.625%
HK$94,389
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,950/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,143
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,641
−HK$2,535/mo
Today · 4.125%
HK$98,176
baseline
▲ 0.50% · 4.625%
HK$103,351
+HK$5,175/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,352/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,856 · Scale 2, in force from 26 Feb 2026)