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$51,937
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,552
−HK$1,641/mo
Today · 4.125%
HK$55,193
baseline
▲ 0.50% · 4.625%
HK$58,552
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,386/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,779
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,328
−HK$1,572/mo
Today · 4.125%
HK$60,900
baseline
▲ 0.50% · 4.625%
HK$64,111
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,800/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,324
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,262
−HK$1,970/mo
Today · 4.125%
HK$66,232
baseline
▲ 0.50% · 4.625%
HK$70,262
+HK$4,030/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,464/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,335
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,194
−HK$1,887/mo
Today · 4.125%
HK$73,081
baseline
▲ 0.50% · 4.625%
HK$76,933
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,162/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,973
−HK$2,298/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,973
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,890
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,060
−HK$2,201/mo
Today · 4.125%
HK$85,261
baseline
▲ 0.50% · 4.625%
HK$89,755
+HK$4,494/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,522/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,486
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,394
−HK$2,954/mo
Today · 4.125%
HK$99,348
baseline
▲ 0.50% · 4.625%
HK$105,393
+HK$6,045/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,696/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,002
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,791
−HK$2,830/mo
Today · 4.125%
HK$109,621
baseline
▲ 0.50% · 4.625%
HK$115,399
+HK$5,778/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,242/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,007 · Scale 2, in force from 26 Feb 2026)