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$53,102
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,753
−HK$1,679/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,075
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,659
−HK$1,608/mo
Today · 4.125%
HK$62,267
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,534/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,722
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$2,014/mo
Today · 4.125%
HK$67,718
baseline
▲ 0.50% · 4.625%
HK$71,838
+HK$4,120/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,436/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,890
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,791
−HK$1,929/mo
Today · 4.125%
HK$74,720
baseline
▲ 0.50% · 4.625%
HK$78,659
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,440/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,655
−HK$2,349/mo
Today · 4.125%
HK$79,004
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,008/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,705
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,923
−HK$2,250/mo
Today · 4.125%
HK$87,173
baseline
▲ 0.50% · 4.625%
HK$91,768
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,346/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,583
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,556
−HK$3,021/mo
Today · 4.125%
HK$101,577
baseline
▲ 0.50% · 4.625%
HK$107,758
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,154/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,335
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,187
−HK$2,893/mo
Today · 4.125%
HK$112,080
baseline
▲ 0.50% · 4.625%
HK$117,988
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,160/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,722 · Scale 2, in force from 26 Feb 2026)