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$48,330
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,834
−HK$1,527/mo
Today · 4.125%
HK$51,361
baseline
▲ 0.50% · 4.625%
HK$54,486
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,722/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,767
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,209
−HK$1,463/mo
Today · 4.125%
HK$56,672
baseline
▲ 0.50% · 4.625%
HK$59,659
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,344/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,997
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,832/mo
Today · 4.125%
HK$61,633
baseline
▲ 0.50% · 4.625%
HK$65,384
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,266/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,521
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$1,755/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$71,591
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,663
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,767
−HK$2,139/mo
Today · 4.125%
HK$71,906
baseline
▲ 0.50% · 4.625%
HK$76,281
+HK$4,375/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,812/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,274
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,293
−HK$2,048/mo
Today · 4.125%
HK$79,341
baseline
▲ 0.50% · 4.625%
HK$83,523
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,682/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,995
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,701
−HK$2,749/mo
Today · 4.125%
HK$92,450
baseline
▲ 0.50% · 4.625%
HK$98,075
+HK$5,625/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,900/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,781
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,376
−HK$2,634/mo
Today · 4.125%
HK$102,010
baseline
▲ 0.50% · 4.625%
HK$107,387
+HK$5,377/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,020/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,517 · Scale 2, in force from 26 Feb 2026)