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$46,763
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,217
−HK$1,478/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,719
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,023
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,416/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,115
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,861
−HK$1,773/mo
Today · 4.125%
HK$59,634
baseline
▲ 0.50% · 4.625%
HK$63,263
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,268/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,428
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,102
−HK$1,698/mo
Today · 4.125%
HK$65,800
baseline
▲ 0.50% · 4.625%
HK$69,269
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,600/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,468
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,504
−HK$2,069/mo
Today · 4.125%
HK$69,573
baseline
▲ 0.50% · 4.625%
HK$73,807
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,146/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,832
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,786
−HK$1,981/mo
Today · 4.125%
HK$76,767
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,534/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,173
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,791
−HK$2,660/mo
Today · 4.125%
HK$89,451
baseline
▲ 0.50% · 4.625%
HK$94,894
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,902/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,642
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,153
−HK$2,548/mo
Today · 4.125%
HK$98,701
baseline
▲ 0.50% · 4.625%
HK$103,903
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,402/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,767 · Scale 2, in force from 26 Feb 2026)