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$51,972
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,589
−HK$1,642/mo
Today · 4.125%
HK$55,231
baseline
▲ 0.50% · 4.625%
HK$58,592
+HK$3,361/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,462/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,819
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,573/mo
Today · 4.125%
HK$60,942
baseline
▲ 0.50% · 4.625%
HK$64,155
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,884/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,367
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,307
−HK$1,971/mo
Today · 4.125%
HK$66,278
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$4,032/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,556/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,382
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,243
−HK$1,888/mo
Today · 4.125%
HK$73,131
baseline
▲ 0.50% · 4.625%
HK$76,986
+HK$3,855/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,262/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,761
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,024
−HK$2,300/mo
Today · 4.125%
HK$77,324
baseline
▲ 0.50% · 4.625%
HK$82,029
+HK$4,705/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,648/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,946
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,117
−HK$2,202/mo
Today · 4.125%
HK$85,319
baseline
▲ 0.50% · 4.625%
HK$89,816
+HK$4,497/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,638/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,550
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,460
−HK$2,956/mo
Today · 4.125%
HK$99,416
baseline
▲ 0.50% · 4.625%
HK$105,466
+HK$6,050/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,832/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,073
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,865
−HK$2,831/mo
Today · 4.125%
HK$109,696
baseline
▲ 0.50% · 4.625%
HK$115,478
+HK$5,782/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,392/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,671 · Scale 2, in force from 26 Feb 2026)