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$52,244
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,869
−HK$1,651/mo
Today · 4.125%
HK$55,520
baseline
▲ 0.50% · 4.625%
HK$58,898
+HK$3,378/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,040/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,121
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,680
−HK$1,581/mo
Today · 4.125%
HK$61,261
baseline
▲ 0.50% · 4.625%
HK$64,490
+HK$3,229/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,522/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,693
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,643
−HK$1,981/mo
Today · 4.125%
HK$66,624
baseline
▲ 0.50% · 4.625%
HK$70,678
+HK$4,054/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,248/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,745
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,616
−HK$1,897/mo
Today · 4.125%
HK$73,513
baseline
▲ 0.50% · 4.625%
HK$77,388
+HK$3,875/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,026/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,142
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,417
−HK$2,311/mo
Today · 4.125%
HK$77,728
baseline
▲ 0.50% · 4.625%
HK$82,458
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,456/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,369
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,552
−HK$2,213/mo
Today · 4.125%
HK$85,765
baseline
▲ 0.50% · 4.625%
HK$90,286
+HK$4,521/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,530/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,039
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,964
−HK$2,972/mo
Today · 4.125%
HK$99,936
baseline
▲ 0.50% · 4.625%
HK$106,017
+HK$6,081/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,872/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,618
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,424
−HK$2,846/mo
Today · 4.125%
HK$110,270
baseline
▲ 0.50% · 4.625%
HK$116,082
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,540/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,738 · Scale 2, in force from 26 Feb 2026)