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$51,331
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,622/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$3,319/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,637
−HK$1,553/mo
Today · 4.125%
HK$60,190
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,380/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,513
−HK$1,947/mo
Today · 4.125%
HK$65,460
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,920/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,526
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,364
−HK$1,864/mo
Today · 4.125%
HK$72,228
baseline
▲ 0.50% · 4.625%
HK$76,036
+HK$3,808/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,456/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,863
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,099
−HK$2,271/mo
Today · 4.125%
HK$76,370
baseline
▲ 0.50% · 4.625%
HK$81,017
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,740/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,947
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,091
−HK$2,175/mo
Today · 4.125%
HK$84,266
baseline
▲ 0.50% · 4.625%
HK$88,708
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,532/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,396
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,270
−HK$2,920/mo
Today · 4.125%
HK$98,190
baseline
▲ 0.50% · 4.625%
HK$104,164
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,380/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,789
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,546
−HK$2,797/mo
Today · 4.125%
HK$108,343
baseline
▲ 0.50% · 4.625%
HK$114,053
+HK$5,710/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,686/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,719 · Scale 2, in force from 26 Feb 2026)