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$46,990
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,451
−HK$1,485/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$3,039/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,422/mo
Today · 4.125%
HK$55,100
baseline
▲ 0.50% · 4.625%
HK$58,004
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,200/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,142
−HK$1,782/mo
Today · 4.125%
HK$59,924
baseline
▲ 0.50% · 4.625%
HK$63,570
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,848/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,731
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,413
−HK$1,707/mo
Today · 4.125%
HK$66,120
baseline
▲ 0.50% · 4.625%
HK$69,605
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,240/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,786
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,832
−HK$2,079/mo
Today · 4.125%
HK$69,911
baseline
▲ 0.50% · 4.625%
HK$74,165
+HK$4,254/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,822/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,186
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,149
−HK$1,991/mo
Today · 4.125%
HK$77,140
baseline
▲ 0.50% · 4.625%
HK$81,206
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,280/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,581
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,212
−HK$2,673/mo
Today · 4.125%
HK$89,885
baseline
▲ 0.50% · 4.625%
HK$95,355
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,770/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,096
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,620
−HK$2,560/mo
Today · 4.125%
HK$99,180
baseline
▲ 0.50% · 4.625%
HK$104,408
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,360/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,719 · Scale 2, in force from 26 Feb 2026)