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$3,211/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,618/mo
Today · 4.125%
HK$54,407
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,310/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,814/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,483
−HK$1,550/mo
Today · 4.125%
HK$60,033
baseline
▲ 0.50% · 4.625%
HK$63,197
+HK$3,164/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,066/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,941/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,347
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,180
−HK$1,859/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,675
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,904
−HK$2,266/mo
Today · 4.125%
HK$76,170
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,634/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,340/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,738
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,876
−HK$2,170/mo
Today · 4.125%
HK$84,046
baseline
▲ 0.50% · 4.625%
HK$88,476
+HK$4,430/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,092/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,154
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,020
−HK$2,912/mo
Today · 4.125%
HK$97,932
baseline
▲ 0.50% · 4.625%
HK$103,891
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,864/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,520
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,269
−HK$2,790/mo
Today · 4.125%
HK$108,059
baseline
▲ 0.50% · 4.625%
HK$113,755
+HK$5,696/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,118/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,212 · Scale 2, in force from 26 Feb 2026)