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$50,871
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,454
−HK$1,608/mo
Today · 4.125%
HK$54,062
baseline
▲ 0.50% · 4.625%
HK$57,351
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,124/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,594
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,540/mo
Today · 4.125%
HK$59,652
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,304/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,046
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,945
−HK$1,929/mo
Today · 4.125%
HK$64,874
baseline
▲ 0.50% · 4.625%
HK$68,821
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$129,748/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,913
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,734
−HK$1,848/mo
Today · 4.125%
HK$71,582
baseline
▲ 0.50% · 4.625%
HK$75,355
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$143,164/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,220
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,435
−HK$2,251/mo
Today · 4.125%
HK$75,686
baseline
▲ 0.50% · 4.625%
HK$80,291
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,372/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,232
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,155/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$87,914
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,569
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,417
−HK$2,894/mo
Today · 4.125%
HK$97,311
baseline
▲ 0.50% · 4.625%
HK$103,232
+HK$5,921/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,622/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,869
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,601
−HK$2,772/mo
Today · 4.125%
HK$107,373
baseline
▲ 0.50% · 4.625%
HK$113,033
+HK$5,660/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,746/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,156 · Scale 2, in force from 26 Feb 2026)