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$48,363
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,529/mo
Today · 4.125%
HK$51,396
baseline
▲ 0.50% · 4.625%
HK$54,523
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,792/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,803
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,464/mo
Today · 4.125%
HK$56,710
baseline
▲ 0.50% · 4.625%
HK$59,700
+HK$2,990/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,420/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,036
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,841
−HK$1,834/mo
Today · 4.125%
HK$61,675
baseline
▲ 0.50% · 4.625%
HK$65,428
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,350/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,564
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,296
−HK$1,756/mo
Today · 4.125%
HK$68,052
baseline
▲ 0.50% · 4.625%
HK$71,640
+HK$3,588/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$136,104/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,708
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,814
−HK$2,140/mo
Today · 4.125%
HK$71,954
baseline
▲ 0.50% · 4.625%
HK$76,333
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,908/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,325
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,345
−HK$2,049/mo
Today · 4.125%
HK$79,394
baseline
▲ 0.50% · 4.625%
HK$83,579
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,788/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,054
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,761
−HK$2,752/mo
Today · 4.125%
HK$92,513
baseline
▲ 0.50% · 4.625%
HK$98,142
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,026/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,846
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,444
−HK$2,635/mo
Today · 4.125%
HK$102,079
baseline
▲ 0.50% · 4.625%
HK$107,459
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,158/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,951 · Scale 2, in force from 26 Feb 2026)