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$51,451
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,052
−HK$1,626/mo
Today · 4.125%
HK$54,678
baseline
▲ 0.50% · 4.625%
HK$58,005
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,356/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,774
−HK$1,557/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$63,512
+HK$3,181/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,741
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,662
−HK$1,951/mo
Today · 4.125%
HK$65,613
baseline
▲ 0.50% · 4.625%
HK$69,606
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,226/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,687
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,529
−HK$1,869/mo
Today · 4.125%
HK$72,398
baseline
▲ 0.50% · 4.625%
HK$76,214
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,796/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,032
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,272
−HK$2,277/mo
Today · 4.125%
HK$76,549
baseline
▲ 0.50% · 4.625%
HK$81,207
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,098/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,135
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,284
−HK$2,180/mo
Today · 4.125%
HK$84,464
baseline
▲ 0.50% · 4.625%
HK$88,916
+HK$4,452/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,928/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,612
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,493
−HK$2,927/mo
Today · 4.125%
HK$98,420
baseline
▲ 0.50% · 4.625%
HK$104,408
+HK$5,988/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,840/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,030
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,793
−HK$2,804/mo
Today · 4.125%
HK$108,597
baseline
▲ 0.50% · 4.625%
HK$114,321
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,194/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$958,962 · Scale 2, in force from 26 Feb 2026)