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$50,282
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,589/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,686
+HK$3,251/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,438
−HK$1,522/mo
Today · 4.125%
HK$58,960
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,920/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,338
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,215
−HK$1,907/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,826/mo
Today · 4.125%
HK$70,752
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,504/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,394
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,584
−HK$2,225/mo
Today · 4.125%
HK$74,809
baseline
▲ 0.50% · 4.625%
HK$79,361
+HK$4,552/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,618/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,313
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,413
−HK$2,131/mo
Today · 4.125%
HK$82,544
baseline
▲ 0.50% · 4.625%
HK$86,895
+HK$4,351/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,088/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,507
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,322
−HK$2,861/mo
Today · 4.125%
HK$96,183
baseline
▲ 0.50% · 4.625%
HK$102,035
+HK$5,852/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,366/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,688
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,389
−HK$2,739/mo
Today · 4.125%
HK$106,128
baseline
▲ 0.50% · 4.625%
HK$111,722
+HK$5,594/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,256/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,165 · Scale 2, in force from 26 Feb 2026)