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$50,336
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,590/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,747
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,998
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,500
−HK$1,524/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,403
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,282
−HK$1,909/mo
Today · 4.125%
HK$64,191
baseline
▲ 0.50% · 4.625%
HK$68,097
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,382/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,198
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$69,000
−HK$1,828/mo
Today · 4.125%
HK$70,828
baseline
▲ 0.50% · 4.625%
HK$74,562
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,656/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,470
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,662
−HK$2,227/mo
Today · 4.125%
HK$74,889
baseline
▲ 0.50% · 4.625%
HK$79,446
+HK$4,557/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,778/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,398
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,500
−HK$2,133/mo
Today · 4.125%
HK$82,633
baseline
▲ 0.50% · 4.625%
HK$86,989
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,266/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,605
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,423
−HK$2,863/mo
Today · 4.125%
HK$96,286
baseline
▲ 0.50% · 4.625%
HK$102,145
+HK$5,859/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,572/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,797
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,500
−HK$2,743/mo
Today · 4.125%
HK$106,243
baseline
▲ 0.50% · 4.625%
HK$111,843
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,486/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,174 · Scale 2, in force from 26 Feb 2026)