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$51,116
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,706
−HK$1,616/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,627
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,867
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,547/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,098
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,340
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,248
−HK$1,938/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,153
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$1,857/mo
Today · 4.125%
HK$71,927
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,854/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,563
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$2,262/mo
Today · 4.125%
HK$76,051
baseline
▲ 0.50% · 4.625%
HK$80,678
+HK$4,627/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,102/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,748
−HK$2,166/mo
Today · 4.125%
HK$83,914
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,828/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,010
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,872
−HK$2,907/mo
Today · 4.125%
HK$97,779
baseline
▲ 0.50% · 4.625%
HK$103,729
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,360
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,105
−HK$2,785/mo
Today · 4.125%
HK$107,890
baseline
▲ 0.50% · 4.625%
HK$113,577
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,780/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,722 · Scale 2, in force from 26 Feb 2026)