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$52,347
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,655/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$59,015
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,584/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$64,618
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,817
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,771
−HK$1,985/mo
Today · 4.125%
HK$66,756
baseline
▲ 0.50% · 4.625%
HK$70,818
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,512/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,883
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,757
−HK$1,901/mo
Today · 4.125%
HK$73,658
baseline
▲ 0.50% · 4.625%
HK$77,541
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,316/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,286
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,566
−HK$2,316/mo
Today · 4.125%
HK$77,882
baseline
▲ 0.50% · 4.625%
HK$82,621
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,764/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,530
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,717
−HK$2,218/mo
Today · 4.125%
HK$85,935
baseline
▲ 0.50% · 4.625%
HK$90,465
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,870/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,225
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,156
−HK$2,978/mo
Today · 4.125%
HK$100,134
baseline
▲ 0.50% · 4.625%
HK$106,227
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,268/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,824
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,636
−HK$2,852/mo
Today · 4.125%
HK$110,488
baseline
▲ 0.50% · 4.625%
HK$116,312
+HK$5,824/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,976/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,660 · Scale 2, in force from 26 Feb 2026)