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$50,297
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,862
−HK$1,589/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,704
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,456
−HK$1,522/mo
Today · 4.125%
HK$58,978
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,956/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,234
−HK$1,907/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,146
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,947
−HK$1,827/mo
Today · 4.125%
HK$70,774
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,548/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,416
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,606
−HK$2,226/mo
Today · 4.125%
HK$74,832
baseline
▲ 0.50% · 4.625%
HK$79,385
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,664/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,337
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,438
−HK$2,131/mo
Today · 4.125%
HK$82,569
baseline
▲ 0.50% · 4.625%
HK$86,922
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,138/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,535
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,351
−HK$2,861/mo
Today · 4.125%
HK$96,212
baseline
▲ 0.50% · 4.625%
HK$102,066
+HK$5,854/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,424/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,719
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,420
−HK$2,741/mo
Today · 4.125%
HK$106,161
baseline
▲ 0.50% · 4.625%
HK$111,757
+HK$5,596/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,322/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,452 · Scale 2, in force from 26 Feb 2026)