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$51,695
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,634/mo
Today · 4.125%
HK$54,937
baseline
▲ 0.50% · 4.625%
HK$58,279
+HK$3,342/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,874/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,052
−HK$1,565/mo
Today · 4.125%
HK$60,617
baseline
▲ 0.50% · 4.625%
HK$63,812
+HK$3,195/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,234/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,034
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,961/mo
Today · 4.125%
HK$65,924
baseline
▲ 0.50% · 4.625%
HK$69,935
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,848/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,012
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,863
−HK$1,877/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$76,575
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$2,287/mo
Today · 4.125%
HK$76,911
baseline
▲ 0.50% · 4.625%
HK$81,591
+HK$4,680/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,822/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,514
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,673
−HK$2,191/mo
Today · 4.125%
HK$84,864
baseline
▲ 0.50% · 4.625%
HK$89,337
+HK$4,473/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,728/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,051
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,945
−HK$2,941/mo
Today · 4.125%
HK$98,886
baseline
▲ 0.50% · 4.625%
HK$104,903
+HK$6,017/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,772/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,518
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,294
−HK$2,817/mo
Today · 4.125%
HK$109,111
baseline
▲ 0.50% · 4.625%
HK$114,862
+HK$5,751/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,222/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,502 · Scale 2, in force from 26 Feb 2026)