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$51,591
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,195
−HK$1,631/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$58,162
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,394
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,933
−HK$1,562/mo
Today · 4.125%
HK$60,495
baseline
▲ 0.50% · 4.625%
HK$63,683
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,990/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,909
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,834
−HK$1,957/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,794
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,873
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$1,874/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$76,420
+HK$3,826/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,227
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,473
−HK$2,283/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$81,426
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,351
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,506
−HK$2,187/mo
Today · 4.125%
HK$84,693
baseline
▲ 0.50% · 4.625%
HK$89,157
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,386/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,863
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,751
−HK$2,935/mo
Today · 4.125%
HK$98,686
baseline
▲ 0.50% · 4.625%
HK$104,691
+HK$6,005/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,372/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,309
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,080
−HK$2,811/mo
Today · 4.125%
HK$108,891
baseline
▲ 0.50% · 4.625%
HK$114,630
+HK$5,739/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,782/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,558 · Scale 2, in force from 26 Feb 2026)