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$50,802
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,606/mo
Today · 4.125%
HK$53,988
baseline
▲ 0.50% · 4.625%
HK$57,273
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,976/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,517
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,538/mo
Today · 4.125%
HK$59,570
baseline
▲ 0.50% · 4.625%
HK$62,710
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,140/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,962
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,859
−HK$1,926/mo
Today · 4.125%
HK$64,785
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,942/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,570/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,639
−HK$1,845/mo
Today · 4.125%
HK$71,484
baseline
▲ 0.50% · 4.625%
HK$75,252
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,968/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,123
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,335
−HK$2,248/mo
Today · 4.125%
HK$75,583
baseline
▲ 0.50% · 4.625%
HK$80,182
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.60M · min. income ≈ HK$151,166/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,123
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,245
−HK$2,153/mo
Today · 4.125%
HK$83,398
baseline
▲ 0.50% · 4.625%
HK$87,794
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.60M · min. income ≈ HK$166,796/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,444
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,288
−HK$2,890/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$103,091
+HK$5,913/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,730
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,458
−HK$2,768/mo
Today · 4.125%
HK$107,226
baseline
▲ 0.50% · 4.625%
HK$112,878
+HK$5,652/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,452/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,860 · Scale 2, in force from 26 Feb 2026)