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$52,483
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,659/mo
Today · 4.125%
HK$55,774
baseline
▲ 0.50% · 4.625%
HK$59,168
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,548/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,386
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,589/mo
Today · 4.125%
HK$61,541
baseline
▲ 0.50% · 4.625%
HK$64,785
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,082/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,979
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,938
−HK$1,991/mo
Today · 4.125%
HK$66,929
baseline
▲ 0.50% · 4.625%
HK$71,001
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,858/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,064
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,943
−HK$1,906/mo
Today · 4.125%
HK$73,849
baseline
▲ 0.50% · 4.625%
HK$77,742
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,698/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,476
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,761
−HK$2,322/mo
Today · 4.125%
HK$78,083
baseline
▲ 0.50% · 4.625%
HK$82,835
+HK$4,752/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,166/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,741
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,933
−HK$2,224/mo
Today · 4.125%
HK$86,157
baseline
▲ 0.50% · 4.625%
HK$90,699
+HK$4,542/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,314/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,469
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,407
−HK$2,986/mo
Today · 4.125%
HK$100,393
baseline
▲ 0.50% · 4.625%
HK$106,502
+HK$6,109/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,786/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,096
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,914
−HK$2,860/mo
Today · 4.125%
HK$110,774
baseline
▲ 0.50% · 4.625%
HK$116,613
+HK$5,839/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,548/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,187 · Scale 2, in force from 26 Feb 2026)