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$50,380
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,947
−HK$1,593/mo
Today · 4.125%
HK$53,540
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,080/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,048
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,551
−HK$1,525/mo
Today · 4.125%
HK$59,076
baseline
▲ 0.50% · 4.625%
HK$62,190
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,152/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,337
−HK$1,910/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$68,157
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,257
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,061
−HK$1,830/mo
Today · 4.125%
HK$70,891
baseline
▲ 0.50% · 4.625%
HK$74,627
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,782/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,532
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,726
−HK$2,229/mo
Today · 4.125%
HK$74,955
baseline
▲ 0.50% · 4.625%
HK$79,516
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,910/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,467
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,571
−HK$2,135/mo
Today · 4.125%
HK$82,706
baseline
▲ 0.50% · 4.625%
HK$87,065
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,412/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,684
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,505
−HK$2,866/mo
Today · 4.125%
HK$96,371
baseline
▲ 0.50% · 4.625%
HK$102,235
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,742/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,886
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,591
−HK$2,745/mo
Today · 4.125%
HK$106,336
baseline
▲ 0.50% · 4.625%
HK$111,941
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,672/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,000 · Scale 2, in force from 26 Feb 2026)