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$51,051
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,614/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,554
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,545/mo
Today · 4.125%
HK$59,862
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,156/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,724/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,261
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,167
−HK$1,936/mo
Today · 4.125%
HK$65,103
baseline
▲ 0.50% · 4.625%
HK$69,064
+HK$3,961/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$130,206/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,153
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$1,854/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$75,621
+HK$3,786/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,472
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,695
−HK$2,259/mo
Today · 4.125%
HK$75,954
baseline
▲ 0.50% · 4.625%
HK$80,575
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,908/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,512
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,163/mo
Today · 4.125%
HK$83,807
baseline
▲ 0.50% · 4.625%
HK$88,225
+HK$4,418/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,614/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,892
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,751
−HK$2,904/mo
Today · 4.125%
HK$97,655
baseline
▲ 0.50% · 4.625%
HK$103,597
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,310/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,229
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,971
−HK$2,781/mo
Today · 4.125%
HK$107,752
baseline
▲ 0.50% · 4.625%
HK$113,432
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,504/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,506 · Scale 2, in force from 26 Feb 2026)