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$51,196
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,618/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,482
−HK$1,550/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,164/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,435
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,942/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,859/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,674
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,904
−HK$2,265/mo
Today · 4.125%
HK$76,169
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,635/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,338/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,737
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,875
−HK$2,170/mo
Today · 4.125%
HK$84,045
baseline
▲ 0.50% · 4.625%
HK$88,475
+HK$4,430/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,090/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,153
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,019
−HK$2,912/mo
Today · 4.125%
HK$97,931
baseline
▲ 0.50% · 4.625%
HK$103,890
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,862/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,519
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,268
−HK$2,790/mo
Today · 4.125%
HK$108,058
baseline
▲ 0.50% · 4.625%
HK$113,754
+HK$5,696/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,116/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,204 · Scale 2, in force from 26 Feb 2026)