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$50,382
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,949
−HK$1,592/mo
Today · 4.125%
HK$53,541
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,082/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,049
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,553
−HK$1,525/mo
Today · 4.125%
HK$59,078
baseline
▲ 0.50% · 4.625%
HK$62,192
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,156/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,911/mo
Today · 4.125%
HK$64,250
baseline
▲ 0.50% · 4.625%
HK$68,159
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,500/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,259
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,063
−HK$1,830/mo
Today · 4.125%
HK$70,893
baseline
▲ 0.50% · 4.625%
HK$74,630
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,786/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,535
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,729
−HK$2,229/mo
Today · 4.125%
HK$74,958
baseline
▲ 0.50% · 4.625%
HK$79,519
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,916/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,469
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,574
−HK$2,135/mo
Today · 4.125%
HK$82,709
baseline
▲ 0.50% · 4.625%
HK$87,068
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,418/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,688
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,508
−HK$2,866/mo
Today · 4.125%
HK$96,374
baseline
▲ 0.50% · 4.625%
HK$102,239
+HK$5,865/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,748/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,889
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,595
−HK$2,745/mo
Today · 4.125%
HK$106,340
baseline
▲ 0.50% · 4.625%
HK$111,945
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,680/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,032 · Scale 2, in force from 26 Feb 2026)