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$52,156
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,779
−HK$1,648/mo
Today · 4.125%
HK$55,427
baseline
▲ 0.50% · 4.625%
HK$58,800
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,854/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,023
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,579
−HK$1,579/mo
Today · 4.125%
HK$61,158
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,316/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,588
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,534
−HK$1,978/mo
Today · 4.125%
HK$66,512
baseline
▲ 0.50% · 4.625%
HK$70,559
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,024/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,628
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,495
−HK$1,895/mo
Today · 4.125%
HK$73,390
baseline
▲ 0.50% · 4.625%
HK$77,258
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,780/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,019
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,290
−HK$2,308/mo
Today · 4.125%
HK$77,598
baseline
▲ 0.50% · 4.625%
HK$82,319
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,196/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,233
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,411
−HK$2,210/mo
Today · 4.125%
HK$85,621
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$4,514/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,242/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,881
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,966/mo
Today · 4.125%
HK$99,768
baseline
▲ 0.50% · 4.625%
HK$105,839
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,536/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,442
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,243
−HK$2,842/mo
Today · 4.125%
HK$110,085
baseline
▲ 0.50% · 4.625%
HK$115,887
+HK$5,802/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,170/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,103 · Scale 2, in force from 26 Feb 2026)