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$51,612
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,631/mo
Today · 4.125%
HK$54,848
baseline
▲ 0.50% · 4.625%
HK$58,186
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,696/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,418
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,562/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$63,710
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,934
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,861
−HK$1,957/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,823
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,901
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,749
−HK$1,875/mo
Today · 4.125%
HK$72,624
baseline
▲ 0.50% · 4.625%
HK$76,452
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,248/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,257
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,504
−HK$2,284/mo
Today · 4.125%
HK$76,788
baseline
▲ 0.50% · 4.625%
HK$81,460
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,576/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,385
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,541
−HK$2,187/mo
Today · 4.125%
HK$84,728
baseline
▲ 0.50% · 4.625%
HK$89,194
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,456/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,901
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,791
−HK$2,936/mo
Today · 4.125%
HK$98,727
baseline
▲ 0.50% · 4.625%
HK$104,734
+HK$6,007/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,454/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,352
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,124
−HK$2,812/mo
Today · 4.125%
HK$108,936
baseline
▲ 0.50% · 4.625%
HK$114,678
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,872/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,955 · Scale 2, in force from 26 Feb 2026)