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$52,949
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,596
−HK$1,673/mo
Today · 4.125%
HK$56,269
baseline
▲ 0.50% · 4.625%
HK$59,693
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,538/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,905
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,485
−HK$1,602/mo
Today · 4.125%
HK$62,087
baseline
▲ 0.50% · 4.625%
HK$65,360
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,174/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,539
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,515
−HK$2,008/mo
Today · 4.125%
HK$67,523
baseline
▲ 0.50% · 4.625%
HK$71,632
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,046/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,686
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,582
−HK$1,923/mo
Today · 4.125%
HK$74,505
baseline
▲ 0.50% · 4.625%
HK$78,432
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,010/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,128
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,434
−HK$2,343/mo
Today · 4.125%
HK$78,777
baseline
▲ 0.50% · 4.625%
HK$83,570
+HK$4,793/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,554/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,467
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,679
−HK$2,243/mo
Today · 4.125%
HK$86,922
baseline
▲ 0.50% · 4.625%
HK$91,504
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,844/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,308
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,272
−HK$3,013/mo
Today · 4.125%
HK$101,285
baseline
▲ 0.50% · 4.625%
HK$107,447
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,570/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,029
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,873
−HK$2,884/mo
Today · 4.125%
HK$111,757
baseline
▲ 0.50% · 4.625%
HK$117,648
+HK$5,891/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,514/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,874 · Scale 2, in force from 26 Feb 2026)