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$51,826
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,439
−HK$1,637/mo
Today · 4.125%
HK$55,076
baseline
▲ 0.50% · 4.625%
HK$58,428
+HK$3,352/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,152/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,656
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,203
−HK$1,568/mo
Today · 4.125%
HK$60,771
baseline
▲ 0.50% · 4.625%
HK$63,975
+HK$3,204/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,542/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,192
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,126
−HK$1,966/mo
Today · 4.125%
HK$66,092
baseline
▲ 0.50% · 4.625%
HK$70,113
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,184/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,188
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,043
−HK$1,883/mo
Today · 4.125%
HK$72,926
baseline
▲ 0.50% · 4.625%
HK$76,770
+HK$3,844/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,852/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,557
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,814
−HK$2,293/mo
Today · 4.125%
HK$77,107
baseline
▲ 0.50% · 4.625%
HK$81,799
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,214/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,719
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,884
−HK$2,196/mo
Today · 4.125%
HK$85,080
baseline
▲ 0.50% · 4.625%
HK$89,565
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,160/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,189
−HK$2,949/mo
Today · 4.125%
HK$99,138
baseline
▲ 0.50% · 4.625%
HK$105,170
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,276/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,782
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,565
−HK$2,824/mo
Today · 4.125%
HK$109,389
baseline
▲ 0.50% · 4.625%
HK$115,155
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,778/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,955 · Scale 2, in force from 26 Feb 2026)