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$48,346
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,528/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,784
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,227
−HK$1,463/mo
Today · 4.125%
HK$56,690
baseline
▲ 0.50% · 4.625%
HK$59,678
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,380/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,015
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,820
−HK$1,833/mo
Today · 4.125%
HK$61,653
baseline
▲ 0.50% · 4.625%
HK$65,405
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,306/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,541
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,272
−HK$1,756/mo
Today · 4.125%
HK$68,028
baseline
▲ 0.50% · 4.625%
HK$71,614
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,056/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,684
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,790
−HK$2,139/mo
Today · 4.125%
HK$71,929
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,858/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,298
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,318
−HK$2,048/mo
Today · 4.125%
HK$79,366
baseline
▲ 0.50% · 4.625%
HK$83,550
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,732/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,023
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,730
−HK$2,750/mo
Today · 4.125%
HK$92,480
baseline
▲ 0.50% · 4.625%
HK$98,107
+HK$5,627/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,960/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,812
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,408
−HK$2,634/mo
Today · 4.125%
HK$102,042
baseline
▲ 0.50% · 4.625%
HK$107,421
+HK$5,379/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,084/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,197 · Scale 2, in force from 26 Feb 2026)