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$52,034
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,652
−HK$1,645/mo
Today · 4.125%
HK$55,297
baseline
▲ 0.50% · 4.625%
HK$58,662
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,594/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,887
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,440
−HK$1,575/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,231
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,973/mo
Today · 4.125%
HK$66,356
baseline
▲ 0.50% · 4.625%
HK$70,394
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,712/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,328
−HK$1,890/mo
Today · 4.125%
HK$73,218
baseline
▲ 0.50% · 4.625%
HK$77,077
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,436/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,847
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,113
−HK$2,303/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$82,126
+HK$4,710/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,832/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,042
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,216
−HK$2,205/mo
Today · 4.125%
HK$85,421
baseline
▲ 0.50% · 4.625%
HK$89,923
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,842/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,661
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,574
−HK$2,960/mo
Today · 4.125%
HK$99,534
baseline
▲ 0.50% · 4.625%
HK$105,591
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,068/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,197
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,992
−HK$2,834/mo
Today · 4.125%
HK$109,826
baseline
▲ 0.50% · 4.625%
HK$115,616
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,652/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,822 · Scale 2, in force from 26 Feb 2026)