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$51,067
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,614/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,811
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,335
−HK$1,546/mo
Today · 4.125%
HK$59,881
baseline
▲ 0.50% · 4.625%
HK$63,037
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,762/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,280
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,937/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$69,086
+HK$3,963/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,174
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,002
−HK$1,855/mo
Today · 4.125%
HK$71,857
baseline
▲ 0.50% · 4.625%
HK$75,645
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,714/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,494
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,718
−HK$2,259/mo
Today · 4.125%
HK$75,977
baseline
▲ 0.50% · 4.625%
HK$80,600
+HK$4,623/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,954/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,536
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,669
−HK$2,164/mo
Today · 4.125%
HK$83,833
baseline
▲ 0.50% · 4.625%
HK$88,252
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,666/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,920
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,780
−HK$2,905/mo
Today · 4.125%
HK$97,685
baseline
▲ 0.50% · 4.625%
HK$103,629
+HK$5,944/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,370/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,261
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$105,003
−HK$2,782/mo
Today · 4.125%
HK$107,785
baseline
▲ 0.50% · 4.625%
HK$113,467
+HK$5,682/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,798 · Scale 2, in force from 26 Feb 2026)