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$50,836
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,417
−HK$1,607/mo
Today · 4.125%
HK$54,024
baseline
▲ 0.50% · 4.625%
HK$57,311
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,048/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,554
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,071
−HK$1,539/mo
Today · 4.125%
HK$59,610
baseline
▲ 0.50% · 4.625%
HK$62,752
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,220/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,003
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,901
−HK$1,927/mo
Today · 4.125%
HK$64,828
baseline
▲ 0.50% · 4.625%
HK$68,773
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,656/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,865
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,685
−HK$1,847/mo
Today · 4.125%
HK$71,532
baseline
▲ 0.50% · 4.625%
HK$75,302
+HK$3,770/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,064/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,170
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,384
−HK$2,249/mo
Today · 4.125%
HK$75,633
baseline
▲ 0.50% · 4.625%
HK$80,235
+HK$4,602/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,266/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,300
−HK$2,154/mo
Today · 4.125%
HK$83,454
baseline
▲ 0.50% · 4.625%
HK$87,853
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,908/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,505
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,351
−HK$2,892/mo
Today · 4.125%
HK$97,243
baseline
▲ 0.50% · 4.625%
HK$103,160
+HK$5,917/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,486/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,798
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,528
−HK$2,770/mo
Today · 4.125%
HK$107,298
baseline
▲ 0.50% · 4.625%
HK$112,953
+HK$5,655/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,596/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,492 · Scale 2, in force from 26 Feb 2026)