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$52,252
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,878
−HK$1,651/mo
Today · 4.125%
HK$55,529
baseline
▲ 0.50% · 4.625%
HK$58,908
+HK$3,379/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,058/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,130
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,689
−HK$1,582/mo
Today · 4.125%
HK$61,271
baseline
▲ 0.50% · 4.625%
HK$64,501
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,542/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,703
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,653
−HK$1,982/mo
Today · 4.125%
HK$66,635
baseline
▲ 0.50% · 4.625%
HK$70,690
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,270/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,756
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$1,898/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,401
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,153
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,429
−HK$2,312/mo
Today · 4.125%
HK$77,741
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,482/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,565
−HK$2,214/mo
Today · 4.125%
HK$85,779
baseline
▲ 0.50% · 4.625%
HK$90,301
+HK$4,522/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,558/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,054
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,980
−HK$2,972/mo
Today · 4.125%
HK$99,952
baseline
▲ 0.50% · 4.625%
HK$106,034
+HK$6,082/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,904/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,635
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,441
−HK$2,847/mo
Today · 4.125%
HK$110,288
baseline
▲ 0.50% · 4.625%
HK$116,101
+HK$5,813/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,576/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,895 · Scale 2, in force from 26 Feb 2026)