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$51,037
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,625
−HK$1,613/mo
Today · 4.125%
HK$54,238
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,476/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,778
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,301
−HK$1,545/mo
Today · 4.125%
HK$59,846
baseline
▲ 0.50% · 4.625%
HK$63,000
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,692/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,149
−HK$1,936/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$69,045
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,134
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$1,854/mo
Today · 4.125%
HK$71,815
baseline
▲ 0.50% · 4.625%
HK$75,600
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,630/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,452
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,674
−HK$2,259/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$80,553
+HK$4,620/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,489
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,621
−HK$2,163/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,200
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,867
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,724
−HK$2,904/mo
Today · 4.125%
HK$97,628
baseline
▲ 0.50% · 4.625%
HK$103,568
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,256/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,201
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,942
−HK$2,780/mo
Today · 4.125%
HK$107,722
baseline
▲ 0.50% · 4.625%
HK$113,401
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,444/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,242 · Scale 2, in force from 26 Feb 2026)