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$52,123
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,647/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,987
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,542
−HK$1,577/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,341
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,548
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,493
−HK$1,977/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$70,515
+HK$4,045/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$1,893/mo
Today · 4.125%
HK$73,343
baseline
▲ 0.50% · 4.625%
HK$77,209
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$146,686/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,972
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,242
−HK$2,306/mo
Today · 4.125%
HK$77,548
baseline
▲ 0.50% · 4.625%
HK$82,267
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,096/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,181
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,209/mo
Today · 4.125%
HK$85,567
baseline
▲ 0.50% · 4.625%
HK$90,077
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,134/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,822
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,740
−HK$2,965/mo
Today · 4.125%
HK$99,705
baseline
▲ 0.50% · 4.625%
HK$105,772
+HK$6,067/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,410/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,376
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,175
−HK$2,840/mo
Today · 4.125%
HK$110,015
baseline
▲ 0.50% · 4.625%
HK$115,814
+HK$5,799/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$220,030/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,486 · Scale 2, in force from 26 Feb 2026)