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$52,485
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,117
−HK$1,659/mo
Today · 4.125%
HK$55,776
baseline
▲ 0.50% · 4.625%
HK$59,170
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,552/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,389
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,955
−HK$1,589/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$64,788
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,982
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,941
−HK$1,990/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$71,004
+HK$4,073/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,067
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,946
−HK$1,906/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$77,745
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,479
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,764
−HK$2,323/mo
Today · 4.125%
HK$78,087
baseline
▲ 0.50% · 4.625%
HK$82,838
+HK$4,751/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$156,174/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,745
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,937
−HK$2,224/mo
Today · 4.125%
HK$86,161
baseline
▲ 0.50% · 4.625%
HK$90,703
+HK$4,542/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$172,322/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,473
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,411
−HK$2,986/mo
Today · 4.125%
HK$100,397
baseline
▲ 0.50% · 4.625%
HK$106,506
+HK$6,109/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,794/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,100
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,919
−HK$2,859/mo
Today · 4.125%
HK$110,778
baseline
▲ 0.50% · 4.625%
HK$116,618
+HK$5,840/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,556/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,228 · Scale 2, in force from 26 Feb 2026)