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$52,999
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,647
−HK$1,675/mo
Today · 4.125%
HK$56,322
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,644/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,542
−HK$1,604/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,422
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,598
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$2,010/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,699
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,650
−HK$1,925/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$78,506
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,198
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,506
−HK$2,345/mo
Today · 4.125%
HK$78,851
baseline
▲ 0.50% · 4.625%
HK$83,649
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,702/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,545
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,759
−HK$2,245/mo
Today · 4.125%
HK$87,004
baseline
▲ 0.50% · 4.625%
HK$91,590
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,008/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,398
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,365
−HK$3,015/mo
Today · 4.125%
HK$101,380
baseline
▲ 0.50% · 4.625%
HK$107,549
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,760/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,129
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,975
−HK$2,888/mo
Today · 4.125%
HK$111,863
baseline
▲ 0.50% · 4.625%
HK$117,759
+HK$5,896/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,726/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,804 · Scale 2, in force from 26 Feb 2026)