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$52,213
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,837
−HK$1,650/mo
Today · 4.125%
HK$55,487
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,974/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,087
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,644
−HK$1,581/mo
Today · 4.125%
HK$61,225
baseline
▲ 0.50% · 4.625%
HK$64,452
+HK$3,227/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,450/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,656
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,605
−HK$1,980/mo
Today · 4.125%
HK$66,585
baseline
▲ 0.50% · 4.625%
HK$70,636
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,170/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,704
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,573
−HK$1,897/mo
Today · 4.125%
HK$73,470
baseline
▲ 0.50% · 4.625%
HK$77,342
+HK$3,872/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,940/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,098
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,372
−HK$2,310/mo
Today · 4.125%
HK$77,682
baseline
▲ 0.50% · 4.625%
HK$82,409
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,364/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,321
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,502
−HK$2,213/mo
Today · 4.125%
HK$85,715
baseline
▲ 0.50% · 4.625%
HK$90,233
+HK$4,518/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,430/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,984
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,907
−HK$2,970/mo
Today · 4.125%
HK$99,877
baseline
▲ 0.50% · 4.625%
HK$105,954
+HK$6,077/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,754/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,556
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,360
−HK$2,845/mo
Today · 4.125%
HK$110,205
baseline
▲ 0.50% · 4.625%
HK$116,014
+HK$5,809/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,410/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,162 · Scale 2, in force from 26 Feb 2026)