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$50,216
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,778
−HK$1,587/mo
Today · 4.125%
HK$53,365
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,730/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,865
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,363
−HK$1,520/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,259
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,134
−HK$1,904/mo
Today · 4.125%
HK$64,038
baseline
▲ 0.50% · 4.625%
HK$67,935
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,076/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,038
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,836
−HK$1,824/mo
Today · 4.125%
HK$70,660
baseline
▲ 0.50% · 4.625%
HK$74,384
+HK$3,724/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,320/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,303
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,489
−HK$2,222/mo
Today · 4.125%
HK$74,711
baseline
▲ 0.50% · 4.625%
HK$79,257
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,422/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,211
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,309
−HK$2,127/mo
Today · 4.125%
HK$82,436
baseline
▲ 0.50% · 4.625%
HK$86,782
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,872/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,389
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,201
−HK$2,856/mo
Today · 4.125%
HK$96,057
baseline
▲ 0.50% · 4.625%
HK$101,902
+HK$5,845/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,114/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,557
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,254
−HK$2,736/mo
Today · 4.125%
HK$105,990
baseline
▲ 0.50% · 4.625%
HK$111,577
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,980/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,942 · Scale 2, in force from 26 Feb 2026)