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$50,768
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,348
−HK$1,604/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$57,235
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,479
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,994
−HK$1,537/mo
Today · 4.125%
HK$59,531
baseline
▲ 0.50% · 4.625%
HK$62,669
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,062/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,922
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,817
−HK$1,925/mo
Today · 4.125%
HK$64,742
baseline
▲ 0.50% · 4.625%
HK$68,682
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,484/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,775
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,593
−HK$1,844/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,202
+HK$3,765/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,287
−HK$2,246/mo
Today · 4.125%
HK$75,533
baseline
▲ 0.50% · 4.625%
HK$80,129
+HK$4,596/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,066/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,071
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,192
−HK$2,151/mo
Today · 4.125%
HK$83,343
baseline
▲ 0.50% · 4.625%
HK$87,736
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,686/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,383
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,226
−HK$2,888/mo
Today · 4.125%
HK$97,114
baseline
▲ 0.50% · 4.625%
HK$103,023
+HK$5,909/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,228/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,663
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,389
−HK$2,766/mo
Today · 4.125%
HK$107,155
baseline
▲ 0.50% · 4.625%
HK$112,804
+HK$5,649/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,310/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,234 · Scale 2, in force from 26 Feb 2026)