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$52,543
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,661/mo
Today · 4.125%
HK$55,838
baseline
▲ 0.50% · 4.625%
HK$59,235
+HK$3,397/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,676/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,453
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,021
−HK$1,590/mo
Today · 4.125%
HK$61,611
baseline
▲ 0.50% · 4.625%
HK$64,859
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,222/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,051
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,013
−HK$1,992/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$71,082
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$1,909/mo
Today · 4.125%
HK$73,934
baseline
▲ 0.50% · 4.625%
HK$77,831
+HK$3,897/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,868/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,560
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,848
−HK$2,325/mo
Today · 4.125%
HK$78,173
baseline
▲ 0.50% · 4.625%
HK$82,929
+HK$4,756/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,346/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,029
−HK$2,227/mo
Today · 4.125%
HK$86,256
baseline
▲ 0.50% · 4.625%
HK$90,803
+HK$4,547/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,512/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,577
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,519
−HK$2,989/mo
Today · 4.125%
HK$100,508
baseline
▲ 0.50% · 4.625%
HK$106,624
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,016/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,216
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,038
−HK$2,862/mo
Today · 4.125%
HK$110,900
baseline
▲ 0.50% · 4.625%
HK$116,746
+HK$5,846/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,800/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,306 · Scale 2, in force from 26 Feb 2026)