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$52,918
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,564
−HK$1,672/mo
Today · 4.125%
HK$56,236
baseline
▲ 0.50% · 4.625%
HK$59,658
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,472/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,871
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,601/mo
Today · 4.125%
HK$62,051
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,271/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,102/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,501
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$2,007/mo
Today · 4.125%
HK$67,484
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,968/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,645
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,539
−HK$1,922/mo
Today · 4.125%
HK$74,461
baseline
▲ 0.50% · 4.625%
HK$78,386
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,922/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,085
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,390
−HK$2,341/mo
Today · 4.125%
HK$78,731
baseline
▲ 0.50% · 4.625%
HK$83,521
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,462/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,419
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,629
−HK$2,243/mo
Today · 4.125%
HK$86,872
baseline
▲ 0.50% · 4.625%
HK$91,451
+HK$4,579/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,744/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,252
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,215
−HK$3,010/mo
Today · 4.125%
HK$101,225
baseline
▲ 0.50% · 4.625%
HK$107,385
+HK$6,160/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,450/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,967
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,809
−HK$2,883/mo
Today · 4.125%
HK$111,692
baseline
▲ 0.50% · 4.625%
HK$117,580
+HK$5,888/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,384/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,298 · Scale 2, in force from 26 Feb 2026)