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$52,385
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,656/mo
Today · 4.125%
HK$55,670
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$3,387/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,340/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,278
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,841
−HK$1,585/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$64,664
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,862
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,817
−HK$1,987/mo
Today · 4.125%
HK$66,804
baseline
▲ 0.50% · 4.625%
HK$70,869
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,608/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,933
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,809
−HK$1,903/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$77,597
+HK$3,885/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,339
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,318/mo
Today · 4.125%
HK$77,938
baseline
▲ 0.50% · 4.625%
HK$82,680
+HK$4,742/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,876/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,777
−HK$2,220/mo
Today · 4.125%
HK$85,997
baseline
▲ 0.50% · 4.625%
HK$90,530
+HK$4,533/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,994/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,293
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,226
−HK$2,980/mo
Today · 4.125%
HK$100,206
baseline
▲ 0.50% · 4.625%
HK$106,303
+HK$6,097/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,412/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,900
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,713
−HK$2,854/mo
Today · 4.125%
HK$110,567
baseline
▲ 0.50% · 4.625%
HK$116,395
+HK$5,828/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,134/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,364 · Scale 2, in force from 26 Feb 2026)