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$52,787
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,668/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,510
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,194/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,725
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,300
−HK$1,597/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,160
+HK$3,263/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,344
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,314
−HK$2,002/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$71,412
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,470
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,360
−HK$1,917/mo
Today · 4.125%
HK$74,277
baseline
▲ 0.50% · 4.625%
HK$78,192
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,554/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,901
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,200
−HK$2,336/mo
Today · 4.125%
HK$78,536
baseline
▲ 0.50% · 4.625%
HK$83,314
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,072/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,215
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,420
−HK$2,236/mo
Today · 4.125%
HK$86,656
baseline
▲ 0.50% · 4.625%
HK$91,224
+HK$4,568/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,312/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,016
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,972
−HK$3,003/mo
Today · 4.125%
HK$100,975
baseline
▲ 0.50% · 4.625%
HK$107,119
+HK$6,144/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,950/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,705
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,539
−HK$2,876/mo
Today · 4.125%
HK$111,415
baseline
▲ 0.50% · 4.625%
HK$117,288
+HK$5,873/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,830/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,853 · Scale 2, in force from 26 Feb 2026)