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$50,913
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,609/mo
Today · 4.125%
HK$54,105
baseline
▲ 0.50% · 4.625%
HK$57,397
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,210/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,640
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,159
−HK$1,541/mo
Today · 4.125%
HK$59,700
baseline
▲ 0.50% · 4.625%
HK$62,847
+HK$3,147/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,400/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,095
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,996
−HK$1,930/mo
Today · 4.125%
HK$64,926
baseline
▲ 0.50% · 4.625%
HK$68,877
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,852/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,968
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,791
−HK$1,849/mo
Today · 4.125%
HK$71,640
baseline
▲ 0.50% · 4.625%
HK$75,416
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,280/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,278
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,495
−HK$2,252/mo
Today · 4.125%
HK$75,747
baseline
▲ 0.50% · 4.625%
HK$80,356
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,494/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,422
−HK$2,158/mo
Today · 4.125%
HK$83,580
baseline
▲ 0.50% · 4.625%
HK$87,985
+HK$4,405/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,160/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,643
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,493
−HK$2,897/mo
Today · 4.125%
HK$97,390
baseline
▲ 0.50% · 4.625%
HK$103,315
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,780/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,952
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,686
−HK$2,774/mo
Today · 4.125%
HK$107,460
baseline
▲ 0.50% · 4.625%
HK$113,124
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,920/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,923 · Scale 2, in force from 26 Feb 2026)