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$50,890
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,473
−HK$1,608/mo
Today · 4.125%
HK$54,081
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,162/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,614
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,133
−HK$1,540/mo
Today · 4.125%
HK$59,673
baseline
▲ 0.50% · 4.625%
HK$62,819
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,346/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,068
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,967
−HK$1,930/mo
Today · 4.125%
HK$64,897
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,794/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,937
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,759
−HK$1,849/mo
Today · 4.125%
HK$71,608
baseline
▲ 0.50% · 4.625%
HK$75,382
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,216/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,246
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,462
−HK$2,252/mo
Today · 4.125%
HK$75,714
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,428/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,260
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,386
−HK$2,156/mo
Today · 4.125%
HK$83,542
baseline
▲ 0.50% · 4.625%
HK$87,946
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,084/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,602
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,451
−HK$2,895/mo
Today · 4.125%
HK$97,346
baseline
▲ 0.50% · 4.625%
HK$103,269
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,692/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,906
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,639
−HK$2,773/mo
Today · 4.125%
HK$107,412
baseline
▲ 0.50% · 4.625%
HK$113,074
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,824/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,499 · Scale 2, in force from 26 Feb 2026)