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$52,344
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,972
−HK$1,654/mo
Today · 4.125%
HK$55,626
baseline
▲ 0.50% · 4.625%
HK$59,011
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,252/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,232
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,794
−HK$1,584/mo
Today · 4.125%
HK$61,378
baseline
▲ 0.50% · 4.625%
HK$64,614
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,756/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,813
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,767
−HK$1,985/mo
Today · 4.125%
HK$66,752
baseline
▲ 0.50% · 4.625%
HK$70,813
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,504/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,879
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,753
−HK$1,901/mo
Today · 4.125%
HK$73,654
baseline
▲ 0.50% · 4.625%
HK$77,536
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,308/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,281
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,561
−HK$2,316/mo
Today · 4.125%
HK$77,877
baseline
▲ 0.50% · 4.625%
HK$82,616
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,754/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,525
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,711
−HK$2,218/mo
Today · 4.125%
HK$85,929
baseline
▲ 0.50% · 4.625%
HK$90,459
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,858/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,219
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,150
−HK$2,977/mo
Today · 4.125%
HK$100,127
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,254/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,818
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,629
−HK$2,852/mo
Today · 4.125%
HK$110,481
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$5,823/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,962/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,600 · Scale 2, in force from 26 Feb 2026)