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$50,111
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,669
−HK$1,584/mo
Today · 4.125%
HK$53,253
baseline
▲ 0.50% · 4.625%
HK$56,493
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,506/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,748
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,243
−HK$1,517/mo
Today · 4.125%
HK$58,760
baseline
▲ 0.50% · 4.625%
HK$61,857
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,520/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,133
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,901/mo
Today · 4.125%
HK$63,904
baseline
▲ 0.50% · 4.625%
HK$67,792
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,808/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,897
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,691
−HK$1,820/mo
Today · 4.125%
HK$70,511
baseline
▲ 0.50% · 4.625%
HK$74,228
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,022/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,155
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,337
−HK$2,217/mo
Today · 4.125%
HK$74,554
baseline
▲ 0.50% · 4.625%
HK$79,091
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,108/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,047
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,140
−HK$2,123/mo
Today · 4.125%
HK$82,263
baseline
▲ 0.50% · 4.625%
HK$86,600
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,526/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,199
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,005
−HK$2,851/mo
Today · 4.125%
HK$95,856
baseline
▲ 0.50% · 4.625%
HK$101,688
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,712/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,346
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,037
−HK$2,730/mo
Today · 4.125%
HK$105,767
baseline
▲ 0.50% · 4.625%
HK$111,342
+HK$5,575/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,534/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,977 · Scale 2, in force from 26 Feb 2026)