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$50,663
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,239
−HK$1,601/mo
Today · 4.125%
HK$53,840
baseline
▲ 0.50% · 4.625%
HK$57,116
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,680/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,362
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,873
−HK$1,534/mo
Today · 4.125%
HK$59,407
baseline
▲ 0.50% · 4.625%
HK$62,538
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,814/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,795
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,686
−HK$1,922/mo
Today · 4.125%
HK$64,608
baseline
▲ 0.50% · 4.625%
HK$68,539
+HK$3,931/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,216/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,634
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,448
−HK$1,840/mo
Today · 4.125%
HK$71,288
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,576/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,928
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,134
−HK$2,242/mo
Today · 4.125%
HK$75,376
baseline
▲ 0.50% · 4.625%
HK$79,962
+HK$4,586/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,752/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,147/mo
Today · 4.125%
HK$83,170
baseline
▲ 0.50% · 4.625%
HK$87,554
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,340/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,193
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,030
−HK$2,882/mo
Today · 4.125%
HK$96,912
baseline
▲ 0.50% · 4.625%
HK$102,809
+HK$5,897/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,824/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,451
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,172
−HK$2,760/mo
Today · 4.125%
HK$106,932
baseline
▲ 0.50% · 4.625%
HK$112,569
+HK$5,637/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,864/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,267 · Scale 2, in force from 26 Feb 2026)