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$50,112
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,670
−HK$1,584/mo
Today · 4.125%
HK$53,254
baseline
▲ 0.50% · 4.625%
HK$56,494
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,508/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,749
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,244
−HK$1,517/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$61,858
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,004
−HK$1,901/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,793
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,898
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$1,820/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,230
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,156
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,339
−HK$2,217/mo
Today · 4.125%
HK$74,556
baseline
▲ 0.50% · 4.625%
HK$79,092
+HK$4,536/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,112/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,048
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,141
−HK$2,124/mo
Today · 4.125%
HK$82,265
baseline
▲ 0.50% · 4.625%
HK$86,601
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,530/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,201
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$93,007
−HK$2,850/mo
Today · 4.125%
HK$95,857
baseline
▲ 0.50% · 4.625%
HK$101,690
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,714/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,348
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,039
−HK$2,730/mo
Today · 4.125%
HK$105,769
baseline
▲ 0.50% · 4.625%
HK$111,344
+HK$5,575/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,538/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,994 · Scale 2, in force from 26 Feb 2026)