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$52,715
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,354
−HK$1,666/mo
Today · 4.125%
HK$56,020
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,040/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,644
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,217
−HK$1,596/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,257
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,225
−HK$1,999/mo
Today · 4.125%
HK$67,224
baseline
▲ 0.50% · 4.625%
HK$71,315
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,448/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,373
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,261
−HK$1,914/mo
Today · 4.125%
HK$74,175
baseline
▲ 0.50% · 4.625%
HK$78,085
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,350/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,800
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,096
−HK$2,332/mo
Today · 4.125%
HK$78,428
baseline
▲ 0.50% · 4.625%
HK$83,200
+HK$4,772/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,856/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,102
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,304
−HK$2,234/mo
Today · 4.125%
HK$86,538
baseline
▲ 0.50% · 4.625%
HK$91,099
+HK$4,561/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,076/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,886
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,838
−HK$2,998/mo
Today · 4.125%
HK$100,836
baseline
▲ 0.50% · 4.625%
HK$106,972
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,672/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,560
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,391
−HK$2,872/mo
Today · 4.125%
HK$111,263
baseline
▲ 0.50% · 4.625%
HK$117,128
+HK$5,865/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,526/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,507 · Scale 2, in force from 26 Feb 2026)