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$52,088
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,646/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,723
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,502
−HK$1,576/mo
Today · 4.125%
HK$61,078
baseline
▲ 0.50% · 4.625%
HK$64,298
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,156/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,450
−HK$1,975/mo
Today · 4.125%
HK$66,425
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,850/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,537
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$1,892/mo
Today · 4.125%
HK$73,294
baseline
▲ 0.50% · 4.625%
HK$77,157
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,588/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,923
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,192
−HK$2,304/mo
Today · 4.125%
HK$77,496
baseline
▲ 0.50% · 4.625%
HK$82,212
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,992/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,126
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,207/mo
Today · 4.125%
HK$85,509
baseline
▲ 0.50% · 4.625%
HK$90,017
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,018/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,759
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,675
−HK$2,963/mo
Today · 4.125%
HK$99,638
baseline
▲ 0.50% · 4.625%
HK$105,701
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,276/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,305
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,103
−HK$2,838/mo
Today · 4.125%
HK$109,941
baseline
▲ 0.50% · 4.625%
HK$115,736
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,882/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,831 · Scale 2, in force from 26 Feb 2026)