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$46,511
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,958
−HK$1,470/mo
Today · 4.125%
HK$49,428
baseline
▲ 0.50% · 4.625%
HK$52,435
+HK$3,007/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,856/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,743
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,408/mo
Today · 4.125%
HK$54,539
baseline
▲ 0.50% · 4.625%
HK$57,414
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,078/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,813
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,764/mo
Today · 4.125%
HK$59,313
baseline
▲ 0.50% · 4.625%
HK$62,922
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,626/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,092
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,757
−HK$1,689/mo
Today · 4.125%
HK$65,446
baseline
▲ 0.50% · 4.625%
HK$68,896
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,892/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,116
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,141
−HK$2,058/mo
Today · 4.125%
HK$69,199
baseline
▲ 0.50% · 4.625%
HK$73,410
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,398/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,440
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,383
−HK$1,971/mo
Today · 4.125%
HK$76,354
baseline
▲ 0.50% · 4.625%
HK$80,379
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,708/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,720
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,646/mo
Today · 4.125%
HK$88,970
baseline
▲ 0.50% · 4.625%
HK$94,384
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,940/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,138
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,636
−HK$2,534/mo
Today · 4.125%
HK$98,170
baseline
▲ 0.50% · 4.625%
HK$103,344
+HK$5,174/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,340/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,734 · Scale 2, in force from 26 Feb 2026)