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$50,938
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,522
−HK$1,610/mo
Today · 4.125%
HK$54,132
baseline
▲ 0.50% · 4.625%
HK$57,426
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,264/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,668
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,542/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$62,878
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,125
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,932/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,001
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$1,850/mo
Today · 4.125%
HK$71,675
baseline
▲ 0.50% · 4.625%
HK$75,453
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,350/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,313
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,531
−HK$2,254/mo
Today · 4.125%
HK$75,785
baseline
▲ 0.50% · 4.625%
HK$80,396
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,570/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,335
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,462
−HK$2,159/mo
Today · 4.125%
HK$83,621
baseline
▲ 0.50% · 4.625%
HK$88,029
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,242/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,688
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,540
−HK$2,897/mo
Today · 4.125%
HK$97,437
baseline
▲ 0.50% · 4.625%
HK$103,366
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,874/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,002
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,737
−HK$2,775/mo
Today · 4.125%
HK$107,512
baseline
▲ 0.50% · 4.625%
HK$113,180
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$215,024/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,388 · Scale 2, in force from 26 Feb 2026)