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$50,117
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,584/mo
Today · 4.125%
HK$53,260
baseline
▲ 0.50% · 4.625%
HK$56,500
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,520/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,517/mo
Today · 4.125%
HK$58,767
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,534/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,140
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,011
−HK$1,900/mo
Today · 4.125%
HK$63,911
baseline
▲ 0.50% · 4.625%
HK$67,800
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,822/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,905
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,700
−HK$1,820/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,237
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,163
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,346
−HK$2,217/mo
Today · 4.125%
HK$74,563
baseline
▲ 0.50% · 4.625%
HK$79,100
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,126/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,056
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,150
−HK$2,123/mo
Today · 4.125%
HK$82,273
baseline
▲ 0.50% · 4.625%
HK$86,610
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,546/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,210
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,016
−HK$2,851/mo
Today · 4.125%
HK$95,867
baseline
▲ 0.50% · 4.625%
HK$101,700
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,734/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,358
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,049
−HK$2,731/mo
Today · 4.125%
HK$105,780
baseline
▲ 0.50% · 4.625%
HK$111,356
+HK$5,576/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,560/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,089 · Scale 2, in force from 26 Feb 2026)