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$51,129
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,719
−HK$1,616/mo
Today · 4.125%
HK$54,335
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,670/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,547/mo
Today · 4.125%
HK$59,953
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,906/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,355
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,263
−HK$1,939/mo
Today · 4.125%
HK$65,202
baseline
▲ 0.50% · 4.625%
HK$69,169
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,404/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,256
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,087
−HK$1,857/mo
Today · 4.125%
HK$71,944
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,888/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,580
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,807
−HK$2,262/mo
Today · 4.125%
HK$76,069
baseline
▲ 0.50% · 4.625%
HK$80,698
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,138/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,632
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,167/mo
Today · 4.125%
HK$83,935
baseline
▲ 0.50% · 4.625%
HK$88,359
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,870/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,032
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,895
−HK$2,908/mo
Today · 4.125%
HK$97,803
baseline
▲ 0.50% · 4.625%
HK$103,754
+HK$5,951/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,606/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,385
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,130
−HK$2,786/mo
Today · 4.125%
HK$107,916
baseline
▲ 0.50% · 4.625%
HK$113,604
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,832/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$952,953 · Scale 2, in force from 26 Feb 2026)