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$50,648
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,600/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$3,275/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,533/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$62,520
+HK$3,130/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,778
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,668
−HK$1,921/mo
Today · 4.125%
HK$64,589
baseline
▲ 0.50% · 4.625%
HK$68,519
+HK$3,930/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$129,178/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$1,840/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,024
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,907
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$2,241/mo
Today · 4.125%
HK$75,354
baseline
▲ 0.50% · 4.625%
HK$79,939
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,708/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,884
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,999
−HK$2,147/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$87,528
+HK$4,382/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,167
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,002
−HK$2,882/mo
Today · 4.125%
HK$96,884
baseline
▲ 0.50% · 4.625%
HK$102,779
+HK$5,895/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,768/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,422
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,142
−HK$2,760/mo
Today · 4.125%
HK$106,902
baseline
▲ 0.50% · 4.625%
HK$112,536
+HK$5,634/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,804/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$943,993 · Scale 2, in force from 26 Feb 2026)