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$52,472
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,658/mo
Today · 4.125%
HK$55,763
baseline
▲ 0.50% · 4.625%
HK$59,156
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,526/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,941
−HK$1,588/mo
Today · 4.125%
HK$61,529
baseline
▲ 0.50% · 4.625%
HK$64,772
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,058/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,967
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,926
−HK$1,990/mo
Today · 4.125%
HK$66,916
baseline
▲ 0.50% · 4.625%
HK$70,987
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,832/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,050
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$1,906/mo
Today · 4.125%
HK$73,835
baseline
▲ 0.50% · 4.625%
HK$77,727
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,670/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,321/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,725
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,917
−HK$2,223/mo
Today · 4.125%
HK$86,140
baseline
▲ 0.50% · 4.625%
HK$90,681
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,280/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,450
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,388
−HK$2,985/mo
Today · 4.125%
HK$100,373
baseline
▲ 0.50% · 4.625%
HK$106,481
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,746/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,075
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,893
−HK$2,859/mo
Today · 4.125%
HK$110,752
baseline
▲ 0.50% · 4.625%
HK$116,590
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,504/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,996 · Scale 2, in force from 26 Feb 2026)