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$52,248
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,874
−HK$1,651/mo
Today · 4.125%
HK$55,525
baseline
▲ 0.50% · 4.625%
HK$58,903
+HK$3,378/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,050/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,126
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,685
−HK$1,581/mo
Today · 4.125%
HK$61,266
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,229/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,532/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,698
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,648
−HK$1,982/mo
Today · 4.125%
HK$66,630
baseline
▲ 0.50% · 4.625%
HK$70,684
+HK$4,054/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,260/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,751
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,622
−HK$1,897/mo
Today · 4.125%
HK$73,519
baseline
▲ 0.50% · 4.625%
HK$77,395
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,038/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,148
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,423
−HK$2,312/mo
Today · 4.125%
HK$77,735
baseline
▲ 0.50% · 4.625%
HK$82,465
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,470/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,376
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,558
−HK$2,214/mo
Today · 4.125%
HK$85,772
baseline
▲ 0.50% · 4.625%
HK$90,294
+HK$4,522/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,544/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,047
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,972
−HK$2,972/mo
Today · 4.125%
HK$99,944
baseline
▲ 0.50% · 4.625%
HK$106,026
+HK$6,082/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,888/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,626
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,432
−HK$2,847/mo
Today · 4.125%
HK$110,279
baseline
▲ 0.50% · 4.625%
HK$116,092
+HK$5,813/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,558/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,817 · Scale 2, in force from 26 Feb 2026)