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$51,689
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,634/mo
Today · 4.125%
HK$54,931
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,862/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,046
−HK$1,564/mo
Today · 4.125%
HK$60,610
baseline
▲ 0.50% · 4.625%
HK$63,805
+HK$3,195/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,220/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,027
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,956
−HK$1,961/mo
Today · 4.125%
HK$65,917
baseline
▲ 0.50% · 4.625%
HK$69,927
+HK$4,010/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,834/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,004
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,855
−HK$1,877/mo
Today · 4.125%
HK$72,732
baseline
▲ 0.50% · 4.625%
HK$76,566
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,464/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,365
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,616
−HK$2,287/mo
Today · 4.125%
HK$76,903
baseline
▲ 0.50% · 4.625%
HK$81,582
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,806/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,505
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,664
−HK$2,191/mo
Today · 4.125%
HK$84,855
baseline
▲ 0.50% · 4.625%
HK$89,327
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,710/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,040
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,935
−HK$2,940/mo
Today · 4.125%
HK$98,875
baseline
▲ 0.50% · 4.625%
HK$104,891
+HK$6,016/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,750/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,507
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,283
−HK$2,816/mo
Today · 4.125%
HK$109,099
baseline
▲ 0.50% · 4.625%
HK$114,849
+HK$5,750/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,198/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,396 · Scale 2, in force from 26 Feb 2026)