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$50,638
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,214
−HK$1,600/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$57,088
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,532/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,130/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,766
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,921/mo
Today · 4.125%
HK$64,577
baseline
▲ 0.50% · 4.625%
HK$68,506
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,154/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,602
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,415
−HK$1,839/mo
Today · 4.125%
HK$71,254
baseline
▲ 0.50% · 4.625%
HK$75,010
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,508/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,894
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,099
−HK$2,240/mo
Today · 4.125%
HK$75,339
baseline
▲ 0.50% · 4.625%
HK$79,924
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,678/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,984
−HK$2,146/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$87,511
+HK$4,381/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,149
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,984
−HK$2,881/mo
Today · 4.125%
HK$96,865
baseline
▲ 0.50% · 4.625%
HK$102,759
+HK$5,894/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,730/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,402
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,122
−HK$2,759/mo
Today · 4.125%
HK$106,881
baseline
▲ 0.50% · 4.625%
HK$112,515
+HK$5,634/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,762/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,811 · Scale 2, in force from 26 Feb 2026)