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$51,876
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,640/mo
Today · 4.125%
HK$55,129
baseline
▲ 0.50% · 4.625%
HK$58,483
+HK$3,354/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,258/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,711
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,570/mo
Today · 4.125%
HK$60,829
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,207/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,658/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,251
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,187
−HK$1,968/mo
Today · 4.125%
HK$66,155
baseline
▲ 0.50% · 4.625%
HK$70,180
+HK$4,025/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,310/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,254
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,111
−HK$1,884/mo
Today · 4.125%
HK$72,995
baseline
▲ 0.50% · 4.625%
HK$76,843
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,990/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$2,295/mo
Today · 4.125%
HK$77,180
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,697/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,360/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,796
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,963
−HK$2,198/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$89,650
+HK$4,489/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,376
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,281
−HK$2,951/mo
Today · 4.125%
HK$99,232
baseline
▲ 0.50% · 4.625%
HK$105,270
+HK$6,038/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,464/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,880
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,666
−HK$2,827/mo
Today · 4.125%
HK$109,493
baseline
▲ 0.50% · 4.625%
HK$115,264
+HK$5,771/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,986/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,874 · Scale 2, in force from 26 Feb 2026)