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$50,141
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,585/mo
Today · 4.125%
HK$53,286
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,572/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,517/mo
Today · 4.125%
HK$58,795
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,100/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,590/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,170
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,902/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,891/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,938
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,733
−HK$1,822/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,274
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,198
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$2,219/mo
Today · 4.125%
HK$74,600
baseline
▲ 0.50% · 4.625%
HK$79,139
+HK$4,539/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,200/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,094
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,189
−HK$2,125/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,254
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,062
−HK$2,852/mo
Today · 4.125%
HK$95,914
baseline
▲ 0.50% · 4.625%
HK$101,750
+HK$5,836/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,828/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,407
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,100
−HK$2,732/mo
Today · 4.125%
HK$105,832
baseline
▲ 0.50% · 4.625%
HK$111,410
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,664/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,548 · Scale 2, in force from 26 Feb 2026)