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$51,507
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,627/mo
Today · 4.125%
HK$54,737
baseline
▲ 0.50% · 4.625%
HK$58,068
+HK$3,331/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,474/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,301
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,559/mo
Today · 4.125%
HK$60,397
baseline
▲ 0.50% · 4.625%
HK$63,581
+HK$3,184/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,794/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,809
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,732
−HK$1,953/mo
Today · 4.125%
HK$65,685
baseline
▲ 0.50% · 4.625%
HK$69,682
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,370/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,762
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,606
−HK$1,871/mo
Today · 4.125%
HK$72,477
baseline
▲ 0.50% · 4.625%
HK$76,297
+HK$3,820/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,954/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,110
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,353
−HK$2,279/mo
Today · 4.125%
HK$76,632
baseline
▲ 0.50% · 4.625%
HK$81,295
+HK$4,663/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,264/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,222
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,374
−HK$2,182/mo
Today · 4.125%
HK$84,556
baseline
▲ 0.50% · 4.625%
HK$89,013
+HK$4,457/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,112/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,713
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,597
−HK$2,930/mo
Today · 4.125%
HK$98,527
baseline
▲ 0.50% · 4.625%
HK$104,522
+HK$5,995/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,054/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,143
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,909
−HK$2,806/mo
Today · 4.125%
HK$108,715
baseline
▲ 0.50% · 4.625%
HK$114,446
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,430/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,009 · Scale 2, in force from 26 Feb 2026)