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$50,921
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,505
−HK$1,609/mo
Today · 4.125%
HK$54,114
baseline
▲ 0.50% · 4.625%
HK$57,407
+HK$3,293/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,228/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,649
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,168
−HK$1,542/mo
Today · 4.125%
HK$59,710
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,147/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,420/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,888
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$1,850/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$75,428
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,289
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,507
−HK$2,253/mo
Today · 4.125%
HK$75,760
baseline
▲ 0.50% · 4.625%
HK$80,370
+HK$4,610/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,520/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,309
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,436
−HK$2,158/mo
Today · 4.125%
HK$83,594
baseline
▲ 0.50% · 4.625%
HK$88,000
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,188/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,658
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,509
−HK$2,897/mo
Today · 4.125%
HK$97,406
baseline
▲ 0.50% · 4.625%
HK$103,332
+HK$5,926/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,812/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,968
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,703
−HK$2,774/mo
Today · 4.125%
HK$107,477
baseline
▲ 0.50% · 4.625%
HK$113,143
+HK$5,666/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,954/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,079 · Scale 2, in force from 26 Feb 2026)