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$51,743
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,635/mo
Today · 4.125%
HK$54,987
baseline
▲ 0.50% · 4.625%
HK$58,333
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,974/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,563
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,107
−HK$1,566/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$63,871
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,091
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,022
−HK$1,963/mo
Today · 4.125%
HK$65,985
baseline
▲ 0.50% · 4.625%
HK$70,000
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,970/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,076
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,928
−HK$1,880/mo
Today · 4.125%
HK$72,808
baseline
▲ 0.50% · 4.625%
HK$76,645
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,616/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,440
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,693
−HK$2,289/mo
Today · 4.125%
HK$76,982
baseline
▲ 0.50% · 4.625%
HK$81,666
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,964/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,588
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,750
−HK$2,192/mo
Today · 4.125%
HK$84,942
baseline
▲ 0.50% · 4.625%
HK$89,420
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,884/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,137
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,034
−HK$2,943/mo
Today · 4.125%
HK$98,977
baseline
▲ 0.50% · 4.625%
HK$105,000
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,954/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,613
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,392
−HK$2,819/mo
Today · 4.125%
HK$109,211
baseline
▲ 0.50% · 4.625%
HK$114,968
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,422/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,391 · Scale 2, in force from 26 Feb 2026)