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$52,087
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,646/mo
Today · 4.125%
HK$55,353
baseline
▲ 0.50% · 4.625%
HK$58,721
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,706/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,946
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,500
−HK$1,577/mo
Today · 4.125%
HK$61,077
baseline
▲ 0.50% · 4.625%
HK$64,296
+HK$3,219/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,154/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,448
−HK$1,976/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,535
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,400
−HK$1,892/mo
Today · 4.125%
HK$73,292
baseline
▲ 0.50% · 4.625%
HK$77,155
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,584/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,922
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,190
−HK$2,304/mo
Today · 4.125%
HK$77,494
baseline
▲ 0.50% · 4.625%
HK$82,210
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,988/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,125
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,300
−HK$2,207/mo
Today · 4.125%
HK$85,507
baseline
▲ 0.50% · 4.625%
HK$90,015
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,014/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,756
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,673
−HK$2,963/mo
Today · 4.125%
HK$99,636
baseline
▲ 0.50% · 4.625%
HK$105,698
+HK$6,062/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,272/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,303
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,100
−HK$2,838/mo
Today · 4.125%
HK$109,938
baseline
▲ 0.50% · 4.625%
HK$115,733
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,876/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,809 · Scale 2, in force from 26 Feb 2026)