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$52,758
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,399
−HK$1,667/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,693
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,597/mo
Today · 4.125%
HK$61,864
baseline
▲ 0.50% · 4.625%
HK$65,124
+HK$3,260/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,728/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,309
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,279
−HK$2,000/mo
Today · 4.125%
HK$67,279
baseline
▲ 0.50% · 4.625%
HK$71,373
+HK$4,094/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,558/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,431
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,320
−HK$1,916/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,149
+HK$3,913/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,861
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,158
−HK$2,335/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$83,269
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,170
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,373
−HK$2,236/mo
Today · 4.125%
HK$86,609
baseline
▲ 0.50% · 4.625%
HK$91,174
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,218/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,964
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,918
−HK$3,001/mo
Today · 4.125%
HK$100,919
baseline
▲ 0.50% · 4.625%
HK$107,060
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,838/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,647
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,480
−HK$2,874/mo
Today · 4.125%
HK$111,354
baseline
▲ 0.50% · 4.625%
HK$117,224
+HK$5,870/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,708/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,315 · Scale 2, in force from 26 Feb 2026)