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$51,049
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,613/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,792
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,315
−HK$1,545/mo
Today · 4.125%
HK$59,860
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,720/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,259
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,936/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,150
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,978
−HK$1,854/mo
Today · 4.125%
HK$71,832
baseline
▲ 0.50% · 4.625%
HK$75,618
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,664/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,469
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,692
−HK$2,258/mo
Today · 4.125%
HK$75,950
baseline
▲ 0.50% · 4.625%
HK$80,572
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,900/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,508
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,640
−HK$2,164/mo
Today · 4.125%
HK$83,804
baseline
▲ 0.50% · 4.625%
HK$88,221
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,608/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,888
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,746
−HK$2,904/mo
Today · 4.125%
HK$97,650
baseline
▲ 0.50% · 4.625%
HK$103,592
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,300/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,225
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,966
−HK$2,782/mo
Today · 4.125%
HK$107,748
baseline
▲ 0.50% · 4.625%
HK$113,427
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,496/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,465 · Scale 2, in force from 26 Feb 2026)