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$52,823
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,466
−HK$1,669/mo
Today · 4.125%
HK$56,135
baseline
▲ 0.50% · 4.625%
HK$59,551
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,270/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,765
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,341
−HK$1,599/mo
Today · 4.125%
HK$61,940
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,880/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,387
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,359
−HK$2,003/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$71,461
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,518
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,409
−HK$1,919/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,246
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,952
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,252
−HK$2,337/mo
Today · 4.125%
HK$78,589
baseline
▲ 0.50% · 4.625%
HK$83,371
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,178/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,271
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,477
−HK$2,239/mo
Today · 4.125%
HK$86,716
baseline
▲ 0.50% · 4.625%
HK$91,287
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,432/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,081
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,039
−HK$3,005/mo
Today · 4.125%
HK$101,044
baseline
▲ 0.50% · 4.625%
HK$107,192
+HK$6,148/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,088/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,777
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,614
−HK$2,878/mo
Today · 4.125%
HK$111,492
baseline
▲ 0.50% · 4.625%
HK$117,368
+HK$5,876/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,984/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,526 · Scale 2, in force from 26 Feb 2026)