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$51,961
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,577
−HK$1,642/mo
Today · 4.125%
HK$55,219
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,438/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,806
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,356
−HK$1,573/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,140
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,353
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,292
−HK$1,971/mo
Today · 4.125%
HK$66,263
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$4,032/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,526/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,367
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,227
−HK$1,887/mo
Today · 4.125%
HK$73,114
baseline
▲ 0.50% · 4.625%
HK$76,968
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,228/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,745
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,007
−HK$2,299/mo
Today · 4.125%
HK$77,306
baseline
▲ 0.50% · 4.625%
HK$82,010
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,612/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,928
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,098
−HK$2,202/mo
Today · 4.125%
HK$85,300
baseline
▲ 0.50% · 4.625%
HK$89,796
+HK$4,496/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,600/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,529
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,438
−HK$2,956/mo
Today · 4.125%
HK$99,394
baseline
▲ 0.50% · 4.625%
HK$105,442
+HK$6,048/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,788/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,050
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,841
−HK$2,830/mo
Today · 4.125%
HK$109,671
baseline
▲ 0.50% · 4.625%
HK$115,452
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,342/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,454 · Scale 2, in force from 26 Feb 2026)