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$50,904
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,488
−HK$1,609/mo
Today · 4.125%
HK$54,097
baseline
▲ 0.50% · 4.625%
HK$57,388
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,194/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,631
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,149
−HK$1,541/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$62,837
+HK$3,147/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,085
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,985
−HK$1,931/mo
Today · 4.125%
HK$64,916
baseline
▲ 0.50% · 4.625%
HK$68,866
+HK$3,950/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,832/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,779
−HK$1,849/mo
Today · 4.125%
HK$71,628
baseline
▲ 0.50% · 4.625%
HK$75,404
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,256/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,266
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,483
−HK$2,252/mo
Today · 4.125%
HK$75,735
baseline
▲ 0.50% · 4.625%
HK$80,343
+HK$4,608/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,470/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,283
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,409
−HK$2,157/mo
Today · 4.125%
HK$83,566
baseline
▲ 0.50% · 4.625%
HK$87,971
+HK$4,405/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,132/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,628
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,478
−HK$2,896/mo
Today · 4.125%
HK$97,374
baseline
▲ 0.50% · 4.625%
HK$103,299
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,748/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,935
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,669
−HK$2,773/mo
Today · 4.125%
HK$107,442
baseline
▲ 0.50% · 4.625%
HK$113,106
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,884/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,769 · Scale 2, in force from 26 Feb 2026)