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$50,864
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,446
−HK$1,608/mo
Today · 4.125%
HK$54,054
baseline
▲ 0.50% · 4.625%
HK$57,343
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,108/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,586
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,103
−HK$1,540/mo
Today · 4.125%
HK$59,643
baseline
▲ 0.50% · 4.625%
HK$62,787
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,286/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,037
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,936
−HK$1,929/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,811
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,903
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,724
−HK$1,848/mo
Today · 4.125%
HK$71,572
baseline
▲ 0.50% · 4.625%
HK$75,344
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,144/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,210
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,425
−HK$2,250/mo
Today · 4.125%
HK$75,675
baseline
▲ 0.50% · 4.625%
HK$80,280
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,350/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,220
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,345
−HK$2,155/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$87,902
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,555
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,403
−HK$2,894/mo
Today · 4.125%
HK$97,297
baseline
▲ 0.50% · 4.625%
HK$103,217
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,594/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,855
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,586
−HK$2,771/mo
Today · 4.125%
HK$107,357
baseline
▲ 0.50% · 4.625%
HK$113,016
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,714/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,019 · Scale 2, in force from 26 Feb 2026)