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$53,035
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,676/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,790
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,583
−HK$1,606/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,642
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$2,011/mo
Today · 4.125%
HK$67,633
baseline
▲ 0.50% · 4.625%
HK$71,748
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,266/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,801
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,700
−HK$1,926/mo
Today · 4.125%
HK$74,626
baseline
▲ 0.50% · 4.625%
HK$78,560
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,252/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,249
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,346/mo
Today · 4.125%
HK$78,905
baseline
▲ 0.50% · 4.625%
HK$83,706
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,810/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,601
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,817
−HK$2,247/mo
Today · 4.125%
HK$87,064
baseline
▲ 0.50% · 4.625%
HK$91,653
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,128/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,463
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,433
−HK$3,016/mo
Today · 4.125%
HK$101,449
baseline
▲ 0.50% · 4.625%
HK$107,622
+HK$6,173/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,898/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,202
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,050
−HK$2,890/mo
Today · 4.125%
HK$111,940
baseline
▲ 0.50% · 4.625%
HK$117,840
+HK$5,900/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,880/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,482 · Scale 2, in force from 26 Feb 2026)