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$50,562
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,134
−HK$1,598/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$57,002
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,249
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,758
−HK$1,530/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,413
+HK$3,125/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,674
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,561
−HK$1,918/mo
Today · 4.125%
HK$64,479
baseline
▲ 0.50% · 4.625%
HK$68,402
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,958/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,499
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,309
−HK$1,837/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$74,896
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,786
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,988
−HK$2,237/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,802
+HK$4,577/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,861
−HK$2,142/mo
Today · 4.125%
HK$83,003
baseline
▲ 0.50% · 4.625%
HK$87,379
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,006/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,011
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,842
−HK$2,876/mo
Today · 4.125%
HK$96,718
baseline
▲ 0.50% · 4.625%
HK$102,603
+HK$5,885/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,436/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,249
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,964
−HK$2,755/mo
Today · 4.125%
HK$106,719
baseline
▲ 0.50% · 4.625%
HK$112,344
+HK$5,625/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,438/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,379 · Scale 2, in force from 26 Feb 2026)