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$52,619
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,663/mo
Today · 4.125%
HK$55,919
baseline
▲ 0.50% · 4.625%
HK$59,322
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,838/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,539
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,109
−HK$1,592/mo
Today · 4.125%
HK$61,701
baseline
▲ 0.50% · 4.625%
HK$64,954
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,402/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,143
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,107
−HK$1,996/mo
Today · 4.125%
HK$67,103
baseline
▲ 0.50% · 4.625%
HK$71,186
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,206/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,246
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,130
−HK$1,911/mo
Today · 4.125%
HK$74,041
baseline
▲ 0.50% · 4.625%
HK$77,944
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,082/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,667
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,959
−HK$2,328/mo
Today · 4.125%
HK$78,287
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,574/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,954
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,152
−HK$2,230/mo
Today · 4.125%
HK$86,382
baseline
▲ 0.50% · 4.625%
HK$90,935
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,764/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,715
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,661
−HK$2,993/mo
Today · 4.125%
HK$100,654
baseline
▲ 0.50% · 4.625%
HK$106,779
+HK$6,125/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,308/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,369
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,195
−HK$2,867/mo
Today · 4.125%
HK$111,062
baseline
▲ 0.50% · 4.625%
HK$116,916
+HK$5,854/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,124/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,734 · Scale 2, in force from 26 Feb 2026)