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$50,134
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,585/mo
Today · 4.125%
HK$53,278
baseline
▲ 0.50% · 4.625%
HK$56,520
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,556/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,774
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,269
−HK$1,518/mo
Today · 4.125%
HK$58,787
baseline
▲ 0.50% · 4.625%
HK$61,886
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,574/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,161
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,032
−HK$1,901/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,824
+HK$3,891/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,928
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,723
−HK$1,821/mo
Today · 4.125%
HK$70,544
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$3,719/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,088/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,188
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,371
−HK$2,218/mo
Today · 4.125%
HK$74,589
baseline
▲ 0.50% · 4.625%
HK$79,128
+HK$4,539/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,178/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,083
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,177
−HK$2,125/mo
Today · 4.125%
HK$82,302
baseline
▲ 0.50% · 4.625%
HK$86,640
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,604/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,241
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,048
−HK$2,852/mo
Today · 4.125%
HK$95,900
baseline
▲ 0.50% · 4.625%
HK$101,735
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,800/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,392
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,085
−HK$2,731/mo
Today · 4.125%
HK$105,816
baseline
▲ 0.50% · 4.625%
HK$111,394
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,632/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,410 · Scale 2, in force from 26 Feb 2026)