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$50,233
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,796
−HK$1,587/mo
Today · 4.125%
HK$53,383
baseline
▲ 0.50% · 4.625%
HK$56,631
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,766/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,884
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,520/mo
Today · 4.125%
HK$58,903
baseline
▲ 0.50% · 4.625%
HK$62,008
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,806/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,280
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,155
−HK$1,905/mo
Today · 4.125%
HK$64,060
baseline
▲ 0.50% · 4.625%
HK$67,958
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,120/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,061
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,859
−HK$1,825/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,409
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,326
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,514
−HK$2,222/mo
Today · 4.125%
HK$74,736
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,472/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,237
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,128/mo
Today · 4.125%
HK$82,464
baseline
▲ 0.50% · 4.625%
HK$86,811
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,928/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,420
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,232
−HK$2,858/mo
Today · 4.125%
HK$96,090
baseline
▲ 0.50% · 4.625%
HK$101,937
+HK$5,847/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,180/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,591
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,289
−HK$2,736/mo
Today · 4.125%
HK$106,025
baseline
▲ 0.50% · 4.625%
HK$111,614
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,050/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,258 · Scale 2, in force from 26 Feb 2026)