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$50,765
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,604/mo
Today · 4.125%
HK$53,949
baseline
▲ 0.50% · 4.625%
HK$57,232
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,898/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,476
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,536/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,918
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,926/mo
Today · 4.125%
HK$64,739
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,939/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,478/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,771
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$1,844/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,198
+HK$3,765/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,866/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,072
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,282
−HK$2,246/mo
Today · 4.125%
HK$75,528
baseline
▲ 0.50% · 4.625%
HK$80,124
+HK$4,596/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,056/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,066
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,187
−HK$2,151/mo
Today · 4.125%
HK$83,338
baseline
▲ 0.50% · 4.625%
HK$87,731
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,676/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,378
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,220
−HK$2,888/mo
Today · 4.125%
HK$97,108
baseline
▲ 0.50% · 4.625%
HK$103,017
+HK$5,909/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,216/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,657
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,383
−HK$2,766/mo
Today · 4.125%
HK$107,149
baseline
▲ 0.50% · 4.625%
HK$112,797
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,298/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,179 · Scale 2, in force from 26 Feb 2026)