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$52,176
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,799
−HK$1,649/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,822
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,045
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,602
−HK$1,579/mo
Today · 4.125%
HK$61,181
baseline
▲ 0.50% · 4.625%
HK$64,406
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,362/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,611
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,559
−HK$1,978/mo
Today · 4.125%
HK$66,537
baseline
▲ 0.50% · 4.625%
HK$70,586
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,074/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,654
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,522
−HK$1,895/mo
Today · 4.125%
HK$73,417
baseline
▲ 0.50% · 4.625%
HK$77,287
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,834/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,046
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,318
−HK$2,309/mo
Today · 4.125%
HK$77,627
baseline
▲ 0.50% · 4.625%
HK$82,350
+HK$4,723/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$155,254/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,263
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,443
−HK$2,210/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,168
+HK$4,515/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,916
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,838
−HK$2,968/mo
Today · 4.125%
HK$99,806
baseline
▲ 0.50% · 4.625%
HK$105,879
+HK$6,073/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,612/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,481
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,283
−HK$2,843/mo
Today · 4.125%
HK$110,126
baseline
▲ 0.50% · 4.625%
HK$115,931
+HK$5,805/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,252/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,467 · Scale 2, in force from 26 Feb 2026)