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$51,007
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,594
−HK$1,612/mo
Today · 4.125%
HK$54,206
baseline
▲ 0.50% · 4.625%
HK$57,504
+HK$3,298/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,412/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,745
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,267
−HK$1,544/mo
Today · 4.125%
HK$59,811
baseline
▲ 0.50% · 4.625%
HK$62,964
+HK$3,153/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,622/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,113
−HK$1,934/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$69,005
+HK$3,958/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,094
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,921
−HK$1,852/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$3,784/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,410
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,632
−HK$2,257/mo
Today · 4.125%
HK$75,889
baseline
▲ 0.50% · 4.625%
HK$80,506
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,778/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,443
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,574
−HK$2,161/mo
Today · 4.125%
HK$83,735
baseline
▲ 0.50% · 4.625%
HK$88,149
+HK$4,414/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,470/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,813
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,669
−HK$2,902/mo
Today · 4.125%
HK$97,571
baseline
▲ 0.50% · 4.625%
HK$103,508
+HK$5,937/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,142/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,142
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,881
−HK$2,779/mo
Today · 4.125%
HK$107,660
baseline
▲ 0.50% · 4.625%
HK$113,335
+HK$5,675/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,320/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,691 · Scale 2, in force from 26 Feb 2026)