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$42,434
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,754
−HK$1,341/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,744/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,285/mo
Today · 4.125%
HK$49,758
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$2,622/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,516/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,504
−HK$1,610/mo
Today · 4.125%
HK$54,114
baseline
▲ 0.50% · 4.625%
HK$57,406
+HK$3,292/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$108,228/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,649
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,168
−HK$1,541/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$62,856
+HK$3,147/mo
Deposit HK$7.44M · loan HK$11.17M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,407
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,255
−HK$1,878/mo
Today · 4.125%
HK$63,133
baseline
▲ 0.50% · 4.625%
HK$66,974
+HK$3,841/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,266/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,090
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,863
−HK$1,798/mo
Today · 4.125%
HK$69,661
baseline
▲ 0.50% · 4.625%
HK$73,333
+HK$3,672/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,322/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,381
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,757
−HK$2,414/mo
Today · 4.125%
HK$81,171
baseline
▲ 0.50% · 4.625%
HK$86,110
+HK$4,939/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,342/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,973
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,252
−HK$2,312/mo
Today · 4.125%
HK$89,564
baseline
▲ 0.50% · 4.625%
HK$94,285
+HK$4,721/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,128/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,846 · Scale 2, in force from 26 Feb 2026)