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$50,657
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,601/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,534/mo
Today · 4.125%
HK$59,401
baseline
▲ 0.50% · 4.625%
HK$62,532
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,802/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,789
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,921/mo
Today · 4.125%
HK$64,601
baseline
▲ 0.50% · 4.625%
HK$68,532
+HK$3,931/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,202/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,627
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$1,840/mo
Today · 4.125%
HK$71,281
baseline
▲ 0.50% · 4.625%
HK$75,038
+HK$3,757/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,562/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,920
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,126
−HK$2,242/mo
Today · 4.125%
HK$75,368
baseline
▲ 0.50% · 4.625%
HK$79,954
+HK$4,586/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,736/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,898
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,014
−HK$2,147/mo
Today · 4.125%
HK$83,161
baseline
▲ 0.50% · 4.625%
HK$87,544
+HK$4,383/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,322/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,183
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,020
−HK$2,881/mo
Today · 4.125%
HK$96,901
baseline
▲ 0.50% · 4.625%
HK$102,798
+HK$5,897/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,802/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,441
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,161
−HK$2,760/mo
Today · 4.125%
HK$106,921
baseline
▲ 0.50% · 4.625%
HK$112,557
+HK$5,636/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,842/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,167 · Scale 2, in force from 26 Feb 2026)