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$51,771
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,636/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$3,348/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,595
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,567/mo
Today · 4.125%
HK$60,707
baseline
▲ 0.50% · 4.625%
HK$63,907
+HK$3,200/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,414/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,126
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,964/mo
Today · 4.125%
HK$66,022
baseline
▲ 0.50% · 4.625%
HK$70,039
+HK$4,017/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,044/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,114
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,968
−HK$1,880/mo
Today · 4.125%
HK$72,848
baseline
▲ 0.50% · 4.625%
HK$76,688
+HK$3,840/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,696/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,480
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,735
−HK$2,290/mo
Today · 4.125%
HK$77,025
baseline
▲ 0.50% · 4.625%
HK$81,712
+HK$4,687/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,050/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,633
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,796
−HK$2,194/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$89,470
+HK$4,480/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,189
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,087
−HK$2,945/mo
Today · 4.125%
HK$99,032
baseline
▲ 0.50% · 4.625%
HK$105,058
+HK$6,026/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,064/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,671
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,452
−HK$2,821/mo
Today · 4.125%
HK$109,273
baseline
▲ 0.50% · 4.625%
HK$115,032
+HK$5,759/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,546/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$964,931 · Scale 2, in force from 26 Feb 2026)