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$51,021
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,608
−HK$1,612/mo
Today · 4.125%
HK$54,220
baseline
▲ 0.50% · 4.625%
HK$57,520
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,440/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,760
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,544/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$62,981
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,225
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,935/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$69,024
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,112
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,939
−HK$1,853/mo
Today · 4.125%
HK$71,792
baseline
▲ 0.50% · 4.625%
HK$75,577
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,584/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,429
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,651
−HK$2,258/mo
Today · 4.125%
HK$75,909
baseline
▲ 0.50% · 4.625%
HK$80,528
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,818/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,465
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,596
−HK$2,162/mo
Today · 4.125%
HK$83,758
baseline
▲ 0.50% · 4.625%
HK$88,173
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,516/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,838
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,695
−HK$2,902/mo
Today · 4.125%
HK$97,597
baseline
▲ 0.50% · 4.625%
HK$103,535
+HK$5,938/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,194/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,169
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,909
−HK$2,780/mo
Today · 4.125%
HK$107,689
baseline
▲ 0.50% · 4.625%
HK$113,365
+HK$5,676/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,378/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,943 · Scale 2, in force from 26 Feb 2026)