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$52,180
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,803
−HK$1,649/mo
Today · 4.125%
HK$55,452
baseline
▲ 0.50% · 4.625%
HK$58,826
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,904/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,050
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,607
−HK$1,579/mo
Today · 4.125%
HK$61,186
baseline
▲ 0.50% · 4.625%
HK$64,411
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,372/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,616
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,564
−HK$1,979/mo
Today · 4.125%
HK$66,543
baseline
▲ 0.50% · 4.625%
HK$70,591
+HK$4,048/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,086/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,660
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,528
−HK$1,895/mo
Today · 4.125%
HK$73,423
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,846/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,052
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,324
−HK$2,309/mo
Today · 4.125%
HK$77,633
baseline
▲ 0.50% · 4.625%
HK$82,357
+HK$4,724/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,266/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,270
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,449
−HK$2,211/mo
Today · 4.125%
HK$85,660
baseline
▲ 0.50% · 4.625%
HK$90,176
+HK$4,516/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,320/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,924
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,845
−HK$2,969/mo
Today · 4.125%
HK$99,814
baseline
▲ 0.50% · 4.625%
HK$105,887
+HK$6,073/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,628/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,489
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,292
−HK$2,843/mo
Today · 4.125%
HK$110,135
baseline
▲ 0.50% · 4.625%
HK$115,940
+HK$5,805/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,270/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,544 · Scale 2, in force from 26 Feb 2026)