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$52,594
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,230
−HK$1,662/mo
Today · 4.125%
HK$55,892
baseline
▲ 0.50% · 4.625%
HK$59,293
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,784/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,511
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,080
−HK$1,592/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$64,923
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,113
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,076
−HK$1,995/mo
Today · 4.125%
HK$67,071
baseline
▲ 0.50% · 4.625%
HK$71,152
+HK$4,081/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,142/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,213
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,096
−HK$1,910/mo
Today · 4.125%
HK$74,006
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,012/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,632
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,922
−HK$2,327/mo
Today · 4.125%
HK$78,249
baseline
▲ 0.50% · 4.625%
HK$83,011
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,498/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,915
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,112
−HK$2,229/mo
Today · 4.125%
HK$86,341
baseline
▲ 0.50% · 4.625%
HK$90,892
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,682/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,670
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,615
−HK$2,991/mo
Today · 4.125%
HK$100,606
baseline
▲ 0.50% · 4.625%
HK$106,728
+HK$6,122/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,212/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,319
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,144
−HK$2,865/mo
Today · 4.125%
HK$111,009
baseline
▲ 0.50% · 4.625%
HK$116,861
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,018/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,267 · Scale 2, in force from 26 Feb 2026)