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$52,554
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,661/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$59,247
+HK$3,398/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,465
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,591/mo
Today · 4.125%
HK$61,624
baseline
▲ 0.50% · 4.625%
HK$64,872
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,248/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,064
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,993/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$4,078/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,158
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,040
−HK$1,909/mo
Today · 4.125%
HK$73,949
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,898/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,575
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,864
−HK$2,325/mo
Today · 4.125%
HK$78,189
baseline
▲ 0.50% · 4.625%
HK$82,946
+HK$4,757/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,378/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,852
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,047
−HK$2,227/mo
Today · 4.125%
HK$86,274
baseline
▲ 0.50% · 4.625%
HK$90,821
+HK$4,547/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,548/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,597
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,539
−HK$2,990/mo
Today · 4.125%
HK$100,529
baseline
▲ 0.50% · 4.625%
HK$106,645
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,058/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,238
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,060
−HK$2,863/mo
Today · 4.125%
HK$110,923
baseline
▲ 0.50% · 4.625%
HK$116,770
+HK$5,847/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,846/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,508 · Scale 2, in force from 26 Feb 2026)