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$50,906
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,490
−HK$1,608/mo
Today · 4.125%
HK$54,098
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,196/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,633
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,152
−HK$1,540/mo
Today · 4.125%
HK$59,692
baseline
▲ 0.50% · 4.625%
HK$62,839
+HK$3,147/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,384/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,988
−HK$1,930/mo
Today · 4.125%
HK$64,918
baseline
▲ 0.50% · 4.625%
HK$68,868
+HK$3,950/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,836/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,959
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,782
−HK$1,849/mo
Today · 4.125%
HK$71,631
baseline
▲ 0.50% · 4.625%
HK$75,407
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,262/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,269
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,486
−HK$2,252/mo
Today · 4.125%
HK$75,738
baseline
▲ 0.50% · 4.625%
HK$80,346
+HK$4,608/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,476/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,286
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,412
−HK$2,157/mo
Today · 4.125%
HK$83,569
baseline
▲ 0.50% · 4.625%
HK$87,974
+HK$4,405/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,138/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,631
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,481
−HK$2,896/mo
Today · 4.125%
HK$97,377
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,754/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,939
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,673
−HK$2,773/mo
Today · 4.125%
HK$107,446
baseline
▲ 0.50% · 4.625%
HK$113,110
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,892/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,804 · Scale 2, in force from 26 Feb 2026)