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$50,372
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,592/mo
Today · 4.125%
HK$53,530
baseline
▲ 0.50% · 4.625%
HK$56,787
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,060/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,038
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,541
−HK$1,524/mo
Today · 4.125%
HK$59,065
baseline
▲ 0.50% · 4.625%
HK$62,179
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,130/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,446
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,326
−HK$1,910/mo
Today · 4.125%
HK$64,236
baseline
▲ 0.50% · 4.625%
HK$68,145
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$128,472/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,245
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,049
−HK$1,829/mo
Today · 4.125%
HK$70,878
baseline
▲ 0.50% · 4.625%
HK$74,615
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$141,756/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,520
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,714
−HK$2,228/mo
Today · 4.125%
HK$74,942
baseline
▲ 0.50% · 4.625%
HK$79,502
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,884/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,453
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,557
−HK$2,135/mo
Today · 4.125%
HK$82,692
baseline
▲ 0.50% · 4.625%
HK$87,050
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,384/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,669
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,489
−HK$2,865/mo
Today · 4.125%
HK$96,354
baseline
▲ 0.50% · 4.625%
HK$102,217
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,708/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,868
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,573
−HK$2,745/mo
Today · 4.125%
HK$106,318
baseline
▲ 0.50% · 4.625%
HK$111,922
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,636/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,838 · Scale 2, in force from 26 Feb 2026)