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$50,748
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,604/mo
Today · 4.125%
HK$53,930
baseline
▲ 0.50% · 4.625%
HK$57,212
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,860/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,456
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,970
−HK$1,537/mo
Today · 4.125%
HK$59,507
baseline
▲ 0.50% · 4.625%
HK$62,643
+HK$3,136/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,014/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,897
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,792
−HK$1,924/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,654
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,748
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,565
−HK$1,843/mo
Today · 4.125%
HK$71,408
baseline
▲ 0.50% · 4.625%
HK$75,172
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,816/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,047
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,257
−HK$2,245/mo
Today · 4.125%
HK$75,502
baseline
▲ 0.50% · 4.625%
HK$80,096
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,004/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,039
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,159
−HK$2,150/mo
Today · 4.125%
HK$83,309
baseline
▲ 0.50% · 4.625%
HK$87,700
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,618/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,346
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,187
−HK$2,887/mo
Today · 4.125%
HK$97,074
baseline
▲ 0.50% · 4.625%
HK$102,981
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,148/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,621
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,347
−HK$2,765/mo
Today · 4.125%
HK$107,112
baseline
▲ 0.50% · 4.625%
HK$112,758
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,224/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,850 · Scale 2, in force from 26 Feb 2026)