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$50,220
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,782
−HK$1,587/mo
Today · 4.125%
HK$53,369
baseline
▲ 0.50% · 4.625%
HK$56,616
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,738/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,869
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,367
−HK$1,520/mo
Today · 4.125%
HK$58,887
baseline
▲ 0.50% · 4.625%
HK$61,992
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,774/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,264
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,138
−HK$1,905/mo
Today · 4.125%
HK$64,043
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,086/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,043
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,841
−HK$1,824/mo
Today · 4.125%
HK$70,665
baseline
▲ 0.50% · 4.625%
HK$74,390
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,330/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,308
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$2,222/mo
Today · 4.125%
HK$74,717
baseline
▲ 0.50% · 4.625%
HK$79,263
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,434/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,217
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,314
−HK$2,128/mo
Today · 4.125%
HK$82,442
baseline
▲ 0.50% · 4.625%
HK$86,788
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,884/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,396
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,207
−HK$2,857/mo
Today · 4.125%
HK$96,064
baseline
▲ 0.50% · 4.625%
HK$101,910
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,128/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,564
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,261
−HK$2,736/mo
Today · 4.125%
HK$105,997
baseline
▲ 0.50% · 4.625%
HK$111,585
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,994/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,010 · Scale 2, in force from 26 Feb 2026)