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$50,661
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,601/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$57,114
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,871
−HK$1,534/mo
Today · 4.125%
HK$59,405
baseline
▲ 0.50% · 4.625%
HK$62,536
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,810/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,793
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,684
−HK$1,921/mo
Today · 4.125%
HK$64,605
baseline
▲ 0.50% · 4.625%
HK$68,536
+HK$3,931/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,210/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,632
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,445
−HK$1,841/mo
Today · 4.125%
HK$71,286
baseline
▲ 0.50% · 4.625%
HK$75,043
+HK$3,757/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,572/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,925
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,131
−HK$2,242/mo
Today · 4.125%
HK$75,373
baseline
▲ 0.50% · 4.625%
HK$79,959
+HK$4,586/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,746/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,904
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,020
−HK$2,146/mo
Today · 4.125%
HK$83,166
baseline
▲ 0.50% · 4.625%
HK$87,550
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,332/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,189
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,026
−HK$2,882/mo
Today · 4.125%
HK$96,908
baseline
▲ 0.50% · 4.625%
HK$102,804
+HK$5,896/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,816/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,447
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,168
−HK$2,760/mo
Today · 4.125%
HK$106,928
baseline
▲ 0.50% · 4.625%
HK$112,565
+HK$5,637/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,856/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,230 · Scale 2, in force from 26 Feb 2026)