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$43,342
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,369/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,862
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,217
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,312/mo
Today · 4.125%
HK$50,822
baseline
▲ 0.50% · 4.625%
HK$53,501
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,644/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,643/mo
Today · 4.125%
HK$55,271
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$3,364/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$110,542/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,412
−HK$1,575/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,214/mo
Deposit HK$7.60M · loan HK$11.40M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,917/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$1,837/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,015
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,442
−HK$2,465/mo
Today · 4.125%
HK$82,907
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,814/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,791
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,118
−HK$2,362/mo
Today · 4.125%
HK$91,480
baseline
▲ 0.50% · 4.625%
HK$96,302
+HK$4,822/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,960/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,776 · Scale 2, in force from 26 Feb 2026)