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$46,726
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,477/mo
Today · 4.125%
HK$49,656
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$3,021/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,312/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,982
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,376
−HK$1,414/mo
Today · 4.125%
HK$54,790
baseline
▲ 0.50% · 4.625%
HK$57,679
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,580/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,071
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,815
−HK$1,772/mo
Today · 4.125%
HK$59,587
baseline
▲ 0.50% · 4.625%
HK$63,213
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,174/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,378
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,051
−HK$1,698/mo
Today · 4.125%
HK$65,749
baseline
▲ 0.50% · 4.625%
HK$69,214
+HK$3,465/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,498/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,416
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,451
−HK$2,067/mo
Today · 4.125%
HK$69,518
baseline
▲ 0.50% · 4.625%
HK$73,748
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,036/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,775
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,727
−HK$1,980/mo
Today · 4.125%
HK$76,707
baseline
▲ 0.50% · 4.625%
HK$80,750
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,414/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,107
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,723
−HK$2,658/mo
Today · 4.125%
HK$89,381
baseline
▲ 0.50% · 4.625%
HK$94,819
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,762/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,568
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,077
−HK$2,546/mo
Today · 4.125%
HK$98,623
baseline
▲ 0.50% · 4.625%
HK$103,821
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,246/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,149 · Scale 2, in force from 26 Feb 2026)