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$52,161
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,783
−HK$1,649/mo
Today · 4.125%
HK$55,432
baseline
▲ 0.50% · 4.625%
HK$58,805
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,864/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,029
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,579/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,593
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,540
−HK$1,978/mo
Today · 4.125%
HK$66,518
baseline
▲ 0.50% · 4.625%
HK$70,566
+HK$4,048/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,036/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,634
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,502
−HK$1,894/mo
Today · 4.125%
HK$73,396
baseline
▲ 0.50% · 4.625%
HK$77,265
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,792/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,025
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,297
−HK$2,308/mo
Today · 4.125%
HK$77,605
baseline
▲ 0.50% · 4.625%
HK$82,327
+HK$4,722/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,210/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,240
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,419
−HK$2,210/mo
Today · 4.125%
HK$85,629
baseline
▲ 0.50% · 4.625%
HK$90,143
+HK$4,514/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,258/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,890
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,810
−HK$2,967/mo
Today · 4.125%
HK$99,777
baseline
▲ 0.50% · 4.625%
HK$105,849
+HK$6,072/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,554/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,451
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,253
−HK$2,842/mo
Today · 4.125%
HK$110,095
baseline
▲ 0.50% · 4.625%
HK$115,898
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,190/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,190 · Scale 2, in force from 26 Feb 2026)