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$51,852
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,465
−HK$1,639/mo
Today · 4.125%
HK$55,104
baseline
▲ 0.50% · 4.625%
HK$58,457
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,208/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,685
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,570/mo
Today · 4.125%
HK$60,802
baseline
▲ 0.50% · 4.625%
HK$64,006
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,604/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,223
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,966/mo
Today · 4.125%
HK$66,124
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$132,248/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,222
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$1,884/mo
Today · 4.125%
HK$72,962
baseline
▲ 0.50% · 4.625%
HK$76,808
+HK$3,846/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$145,924/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,593
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,851
−HK$2,294/mo
Today · 4.125%
HK$77,145
baseline
▲ 0.50% · 4.625%
HK$81,839
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,290/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,759
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,925
−HK$2,197/mo
Today · 4.125%
HK$85,122
baseline
▲ 0.50% · 4.625%
HK$89,609
+HK$4,487/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,244/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,334
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,237
−HK$2,950/mo
Today · 4.125%
HK$99,187
baseline
▲ 0.50% · 4.625%
HK$105,222
+HK$6,035/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,374/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,833
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,618
−HK$2,825/mo
Today · 4.125%
HK$109,443
baseline
▲ 0.50% · 4.625%
HK$115,212
+HK$5,769/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,886/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,434 · Scale 2, in force from 26 Feb 2026)