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$50,686
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,601/mo
Today · 4.125%
HK$53,864
baseline
▲ 0.50% · 4.625%
HK$57,142
+HK$3,278/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,728/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,900
−HK$1,534/mo
Today · 4.125%
HK$59,434
baseline
▲ 0.50% · 4.625%
HK$62,567
+HK$3,133/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,868/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,823
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,715
−HK$1,922/mo
Today · 4.125%
HK$64,637
baseline
▲ 0.50% · 4.625%
HK$68,570
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,274/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,665
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,480
−HK$1,841/mo
Today · 4.125%
HK$71,321
baseline
▲ 0.50% · 4.625%
HK$75,080
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,642/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,960
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,168
−HK$2,242/mo
Today · 4.125%
HK$75,410
baseline
▲ 0.50% · 4.625%
HK$79,999
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,820/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,943
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,060
−HK$2,148/mo
Today · 4.125%
HK$83,208
baseline
▲ 0.50% · 4.625%
HK$87,594
+HK$4,386/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,416/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,235
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,073
−HK$2,883/mo
Today · 4.125%
HK$96,956
baseline
▲ 0.50% · 4.625%
HK$102,855
+HK$5,899/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,912/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,498
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,220
−HK$2,761/mo
Today · 4.125%
HK$106,981
baseline
▲ 0.50% · 4.625%
HK$112,620
+HK$5,639/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,962/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,697 · Scale 2, in force from 26 Feb 2026)