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$51,240
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,619/mo
Today · 4.125%
HK$54,453
baseline
▲ 0.50% · 4.625%
HK$57,767
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,906/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,551/mo
Today · 4.125%
HK$60,084
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,168/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,488
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,401
−HK$1,943/mo
Today · 4.125%
HK$65,344
baseline
▲ 0.50% · 4.625%
HK$69,320
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,688/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,405
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$1,861/mo
Today · 4.125%
HK$72,100
baseline
▲ 0.50% · 4.625%
HK$75,901
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,200/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,736
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,967
−HK$2,267/mo
Today · 4.125%
HK$76,234
baseline
▲ 0.50% · 4.625%
HK$80,873
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,468/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,806
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,946
−HK$2,171/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$88,551
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,232
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,101
−HK$2,915/mo
Today · 4.125%
HK$98,016
baseline
▲ 0.50% · 4.625%
HK$103,980
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,032/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,607
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,359
−HK$2,792/mo
Today · 4.125%
HK$108,151
baseline
▲ 0.50% · 4.625%
HK$113,851
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,302/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,025 · Scale 2, in force from 26 Feb 2026)