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$51,394
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,624/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,940
+HK$3,323/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,175
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,709
−HK$1,555/mo
Today · 4.125%
HK$60,264
baseline
▲ 0.50% · 4.625%
HK$63,441
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,528/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,673
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,591
−HK$1,949/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$69,528
+HK$3,988/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$131,080/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,610
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$1,867/mo
Today · 4.125%
HK$72,317
baseline
▲ 0.50% · 4.625%
HK$76,129
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$144,634/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,952
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,190
−HK$2,274/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$81,116
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,192
−HK$2,178/mo
Today · 4.125%
HK$84,370
baseline
▲ 0.50% · 4.625%
HK$88,817
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,740/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,509
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,923/mo
Today · 4.125%
HK$98,310
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,982/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,620/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,915
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,676
−HK$2,800/mo
Today · 4.125%
HK$108,476
baseline
▲ 0.50% · 4.625%
HK$114,194
+HK$5,718/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,952/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,894 · Scale 2, in force from 26 Feb 2026)