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$50,077
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,634
−HK$1,583/mo
Today · 4.125%
HK$53,217
baseline
▲ 0.50% · 4.625%
HK$56,455
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,434/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,516/mo
Today · 4.125%
HK$58,720
baseline
▲ 0.50% · 4.625%
HK$61,815
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,440/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,092
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,961
−HK$1,899/mo
Today · 4.125%
HK$63,860
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,886/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,720/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,852
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,645
−HK$1,819/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,178
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,107
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$2,216/mo
Today · 4.125%
HK$74,504
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,008/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,994
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,123/mo
Today · 4.125%
HK$82,208
baseline
▲ 0.50% · 4.625%
HK$86,541
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,416/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,942
−HK$2,849/mo
Today · 4.125%
HK$95,791
baseline
▲ 0.50% · 4.625%
HK$101,619
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,582/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,278
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,967
−HK$2,728/mo
Today · 4.125%
HK$105,695
baseline
▲ 0.50% · 4.625%
HK$111,267
+HK$5,572/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,390/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,343 · Scale 2, in force from 26 Feb 2026)