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$50,133
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,584/mo
Today · 4.125%
HK$53,277
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,554/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,518/mo
Today · 4.125%
HK$58,786
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,572/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,160
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,901/mo
Today · 4.125%
HK$63,932
baseline
▲ 0.50% · 4.625%
HK$67,822
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,864/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,927
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,722
−HK$1,821/mo
Today · 4.125%
HK$70,543
baseline
▲ 0.50% · 4.625%
HK$74,261
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,086/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,186
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,370
−HK$2,218/mo
Today · 4.125%
HK$74,588
baseline
▲ 0.50% · 4.625%
HK$79,126
+HK$4,538/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,176/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,082
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,176
−HK$2,124/mo
Today · 4.125%
HK$82,300
baseline
▲ 0.50% · 4.625%
HK$86,638
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,600/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,240
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,852/mo
Today · 4.125%
HK$95,899
baseline
▲ 0.50% · 4.625%
HK$101,734
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,798/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,391
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,083
−HK$2,732/mo
Today · 4.125%
HK$105,815
baseline
▲ 0.50% · 4.625%
HK$111,392
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,630/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,395 · Scale 2, in force from 26 Feb 2026)