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$51,753
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,363
−HK$1,635/mo
Today · 4.125%
HK$54,998
baseline
▲ 0.50% · 4.625%
HK$58,345
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,996/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,575
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,119
−HK$1,566/mo
Today · 4.125%
HK$60,685
baseline
▲ 0.50% · 4.625%
HK$63,884
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,370/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,104
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,035
−HK$1,963/mo
Today · 4.125%
HK$65,998
baseline
▲ 0.50% · 4.625%
HK$70,014
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,996/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,090
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,943
−HK$1,879/mo
Today · 4.125%
HK$72,822
baseline
▲ 0.50% · 4.625%
HK$76,661
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,644/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,454
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,708
−HK$2,290/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,683
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,605
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,766
−HK$2,194/mo
Today · 4.125%
HK$84,960
baseline
▲ 0.50% · 4.625%
HK$89,438
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,920/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,156
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,053
−HK$2,944/mo
Today · 4.125%
HK$98,997
baseline
▲ 0.50% · 4.625%
HK$105,021
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$197,994/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,635
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,414
−HK$2,820/mo
Today · 4.125%
HK$109,234
baseline
▲ 0.50% · 4.625%
HK$114,992
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,468/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,587 · Scale 2, in force from 26 Feb 2026)