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$50,809
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,606/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,538/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$62,719
+HK$3,141/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,971
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,867
−HK$1,927/mo
Today · 4.125%
HK$64,794
baseline
▲ 0.50% · 4.625%
HK$68,737
+HK$3,943/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,588/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,829
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,649
−HK$1,845/mo
Today · 4.125%
HK$71,494
baseline
▲ 0.50% · 4.625%
HK$75,263
+HK$3,769/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,988/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,133
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,345
−HK$2,248/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$80,193
+HK$4,600/mo
Deposit HK$6.68M · loan HK$15.60M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,257
−HK$2,153/mo
Today · 4.125%
HK$83,410
baseline
▲ 0.50% · 4.625%
HK$87,806
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.60M · min. income ≈ HK$166,820/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,456
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,301
−HK$2,890/mo
Today · 4.125%
HK$97,191
baseline
▲ 0.50% · 4.625%
HK$103,105
+HK$5,914/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,382/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,744
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,473
−HK$2,768/mo
Today · 4.125%
HK$107,241
baseline
▲ 0.50% · 4.625%
HK$112,894
+HK$5,653/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,482/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$946,992 · Scale 2, in force from 26 Feb 2026)