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$50,722
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,603/mo
Today · 4.125%
HK$53,903
baseline
▲ 0.50% · 4.625%
HK$57,183
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,806/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,941
−HK$1,536/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$62,612
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,760
−HK$1,924/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,619
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,714
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,530
−HK$1,842/mo
Today · 4.125%
HK$71,372
baseline
▲ 0.50% · 4.625%
HK$75,134
+HK$3,762/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,744/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,011
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,220
−HK$2,244/mo
Today · 4.125%
HK$75,464
baseline
▲ 0.50% · 4.625%
HK$80,056
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,928/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,999
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,118
−HK$2,149/mo
Today · 4.125%
HK$83,267
baseline
▲ 0.50% · 4.625%
HK$87,656
+HK$4,389/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,534/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,300
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,140
−HK$2,885/mo
Today · 4.125%
HK$97,025
baseline
▲ 0.50% · 4.625%
HK$102,929
+HK$5,904/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,050/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,570
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,295
−HK$2,763/mo
Today · 4.125%
HK$107,058
baseline
▲ 0.50% · 4.625%
HK$112,701
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,116/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,375 · Scale 2, in force from 26 Feb 2026)