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$51,949
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,564
−HK$1,642/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,565
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,573/mo
Today · 4.125%
HK$60,915
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,830/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,338
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,277
−HK$1,970/mo
Today · 4.125%
HK$66,247
baseline
▲ 0.50% · 4.625%
HK$70,278
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,494/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,351
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,211
−HK$1,886/mo
Today · 4.125%
HK$73,097
baseline
▲ 0.50% · 4.625%
HK$76,951
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,194/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,990
−HK$2,299/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,201/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$4,496/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,507
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,416
−HK$2,955/mo
Today · 4.125%
HK$99,371
baseline
▲ 0.50% · 4.625%
HK$105,418
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,742/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,026
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,816
−HK$2,830/mo
Today · 4.125%
HK$109,646
baseline
▲ 0.50% · 4.625%
HK$115,426
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,292/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,230 · Scale 2, in force from 26 Feb 2026)