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$52,765
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,668/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,486
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,701
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,597/mo
Today · 4.125%
HK$61,872
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,744/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$2,001/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$71,383
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,330
−HK$1,916/mo
Today · 4.125%
HK$74,246
baseline
▲ 0.50% · 4.625%
HK$78,160
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,492/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,871
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,169
−HK$2,334/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$83,280
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,181
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,385
−HK$2,236/mo
Today · 4.125%
HK$86,621
baseline
▲ 0.50% · 4.625%
HK$91,187
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,242/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,977
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,931
−HK$3,002/mo
Today · 4.125%
HK$100,933
baseline
▲ 0.50% · 4.625%
HK$107,074
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,866/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,661
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,495
−HK$2,874/mo
Today · 4.125%
HK$111,369
baseline
▲ 0.50% · 4.625%
HK$117,240
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,738/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,448 · Scale 2, in force from 26 Feb 2026)