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$50,935
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,609/mo
Today · 4.125%
HK$54,129
baseline
▲ 0.50% · 4.625%
HK$57,423
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,258/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,665
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,185
−HK$1,541/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,122
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,931/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,998
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,822
−HK$1,850/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,309
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,253/mo
Today · 4.125%
HK$75,781
baseline
▲ 0.50% · 4.625%
HK$80,392
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,562/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,331
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,158/mo
Today · 4.125%
HK$83,617
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,234/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,684
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,535
−HK$2,898/mo
Today · 4.125%
HK$97,433
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,866/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,997
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,733
−HK$2,775/mo
Today · 4.125%
HK$107,508
baseline
▲ 0.50% · 4.625%
HK$113,175
+HK$5,667/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$215,016/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,346 · Scale 2, in force from 26 Feb 2026)