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$51,483
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,627/mo
Today · 4.125%
HK$54,712
baseline
▲ 0.50% · 4.625%
HK$58,041
+HK$3,329/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,424/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,275
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,811
−HK$1,558/mo
Today · 4.125%
HK$60,369
baseline
▲ 0.50% · 4.625%
HK$63,551
+HK$3,182/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,738/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,780
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,702
−HK$1,952/mo
Today · 4.125%
HK$65,654
baseline
▲ 0.50% · 4.625%
HK$69,649
+HK$3,995/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,308/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,730
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$1,870/mo
Today · 4.125%
HK$72,443
baseline
▲ 0.50% · 4.625%
HK$76,261
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,886/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,077
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,319
−HK$2,277/mo
Today · 4.125%
HK$76,596
baseline
▲ 0.50% · 4.625%
HK$81,257
+HK$4,661/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,192/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,184
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,335
−HK$2,182/mo
Today · 4.125%
HK$84,517
baseline
▲ 0.50% · 4.625%
HK$88,972
+HK$4,455/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$169,034/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,670
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,929/mo
Today · 4.125%
HK$98,481
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,992/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,962/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,859
−HK$2,805/mo
Today · 4.125%
HK$108,664
baseline
▲ 0.50% · 4.625%
HK$114,392
+HK$5,728/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,328/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,559 · Scale 2, in force from 26 Feb 2026)