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$51,787
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,637/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$3,348/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,613
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,158
−HK$1,567/mo
Today · 4.125%
HK$60,725
baseline
▲ 0.50% · 4.625%
HK$63,926
+HK$3,201/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,450/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,145
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,078
−HK$1,964/mo
Today · 4.125%
HK$66,042
baseline
▲ 0.50% · 4.625%
HK$70,060
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$132,084/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,135
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,989
−HK$1,881/mo
Today · 4.125%
HK$72,870
baseline
▲ 0.50% · 4.625%
HK$76,712
+HK$3,842/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$145,740/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,502
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,757
−HK$2,292/mo
Today · 4.125%
HK$77,049
baseline
▲ 0.50% · 4.625%
HK$81,737
+HK$4,688/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,098/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,658
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,194/mo
Today · 4.125%
HK$85,015
baseline
▲ 0.50% · 4.625%
HK$89,497
+HK$4,482/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,030/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,217
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,116
−HK$2,946/mo
Today · 4.125%
HK$99,062
baseline
▲ 0.50% · 4.625%
HK$105,090
+HK$6,028/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,124/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,703
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,484
−HK$2,822/mo
Today · 4.125%
HK$109,306
baseline
▲ 0.50% · 4.625%
HK$115,067
+HK$5,761/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,612/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,223 · Scale 2, in force from 26 Feb 2026)