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$50,361
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,927
−HK$1,592/mo
Today · 4.125%
HK$53,519
baseline
▲ 0.50% · 4.625%
HK$56,775
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,038/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,026
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,528
−HK$1,525/mo
Today · 4.125%
HK$59,053
baseline
▲ 0.50% · 4.625%
HK$62,165
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,106/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,433
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,312
−HK$1,910/mo
Today · 4.125%
HK$64,222
baseline
▲ 0.50% · 4.625%
HK$68,130
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,444/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,231
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,034
−HK$1,829/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$74,598
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,505
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,698
−HK$2,228/mo
Today · 4.125%
HK$74,926
baseline
▲ 0.50% · 4.625%
HK$79,485
+HK$4,559/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,852/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,436
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,539
−HK$2,135/mo
Today · 4.125%
HK$82,674
baseline
▲ 0.50% · 4.625%
HK$87,031
+HK$4,357/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,348/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,649
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,469
−HK$2,865/mo
Today · 4.125%
HK$96,334
baseline
▲ 0.50% · 4.625%
HK$102,195
+HK$5,861/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,668/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,846
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,551
−HK$2,744/mo
Today · 4.125%
HK$106,295
baseline
▲ 0.50% · 4.625%
HK$111,897
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,590/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,634 · Scale 2, in force from 26 Feb 2026)