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$51,069
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,657
−HK$1,614/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,573
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,813
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,337
−HK$1,546/mo
Today · 4.125%
HK$59,883
baseline
▲ 0.50% · 4.625%
HK$63,039
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,766/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,188
−HK$1,937/mo
Today · 4.125%
HK$65,125
baseline
▲ 0.50% · 4.625%
HK$69,088
+HK$3,963/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,250/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,004
−HK$1,855/mo
Today · 4.125%
HK$71,859
baseline
▲ 0.50% · 4.625%
HK$75,647
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,718/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,496
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,720
−HK$2,259/mo
Today · 4.125%
HK$75,979
baseline
▲ 0.50% · 4.625%
HK$80,603
+HK$4,624/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,958/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,539
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,164/mo
Today · 4.125%
HK$83,836
baseline
▲ 0.50% · 4.625%
HK$88,255
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,672/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,923
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,905/mo
Today · 4.125%
HK$97,688
baseline
▲ 0.50% · 4.625%
HK$103,632
+HK$5,944/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,376/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,264
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,006
−HK$2,783/mo
Today · 4.125%
HK$107,789
baseline
▲ 0.50% · 4.625%
HK$113,471
+HK$5,682/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,578/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,829 · Scale 2, in force from 26 Feb 2026)