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$51,453
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,053
−HK$1,626/mo
Today · 4.125%
HK$54,679
baseline
▲ 0.50% · 4.625%
HK$58,006
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,358/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,241
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,776
−HK$1,557/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$63,513
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,743
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,664
−HK$1,951/mo
Today · 4.125%
HK$65,615
baseline
▲ 0.50% · 4.625%
HK$69,608
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,230/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,689
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,531
−HK$1,869/mo
Today · 4.125%
HK$72,400
baseline
▲ 0.50% · 4.625%
HK$76,216
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,800/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,034
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,274
−HK$2,277/mo
Today · 4.125%
HK$76,551
baseline
▲ 0.50% · 4.625%
HK$81,209
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,102/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,137
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,286
−HK$2,180/mo
Today · 4.125%
HK$84,466
baseline
▲ 0.50% · 4.625%
HK$88,919
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,932/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,615
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,496
−HK$2,927/mo
Today · 4.125%
HK$98,423
baseline
▲ 0.50% · 4.625%
HK$104,411
+HK$5,988/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,846/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,033
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,796
−HK$2,804/mo
Today · 4.125%
HK$108,600
baseline
▲ 0.50% · 4.625%
HK$114,324
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,200/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$958,988 · Scale 2, in force from 26 Feb 2026)