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$52,856
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,670/mo
Today · 4.125%
HK$56,170
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,340/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,801
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,378
−HK$1,600/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,245
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,427
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,400
−HK$2,004/mo
Today · 4.125%
HK$67,404
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,808/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,562
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,454
−HK$1,920/mo
Today · 4.125%
HK$74,374
baseline
▲ 0.50% · 4.625%
HK$78,294
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,748/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,998
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,300
−HK$2,338/mo
Today · 4.125%
HK$78,638
baseline
▲ 0.50% · 4.625%
HK$83,423
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,276/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,322
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,530
−HK$2,239/mo
Today · 4.125%
HK$86,769
baseline
▲ 0.50% · 4.625%
HK$91,343
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,538/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,140
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,099
−HK$3,007/mo
Today · 4.125%
HK$101,106
baseline
▲ 0.50% · 4.625%
HK$107,258
+HK$6,152/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,212/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,842
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,681
−HK$2,880/mo
Today · 4.125%
HK$111,561
baseline
▲ 0.50% · 4.625%
HK$117,441
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,122/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,136 · Scale 2, in force from 26 Feb 2026)