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$52,085
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,706
−HK$1,646/mo
Today · 4.125%
HK$55,352
baseline
▲ 0.50% · 4.625%
HK$58,720
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,704/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,944
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,576/mo
Today · 4.125%
HK$61,075
baseline
▲ 0.50% · 4.625%
HK$64,294
+HK$3,219/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,150/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,502
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,447
−HK$1,975/mo
Today · 4.125%
HK$66,422
baseline
▲ 0.50% · 4.625%
HK$70,464
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,844/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,533
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,398
−HK$1,892/mo
Today · 4.125%
HK$73,290
baseline
▲ 0.50% · 4.625%
HK$77,153
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,580/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,920
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,188
−HK$2,304/mo
Today · 4.125%
HK$77,492
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,715/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,984/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,122
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,298
−HK$2,207/mo
Today · 4.125%
HK$85,505
baseline
▲ 0.50% · 4.625%
HK$90,012
+HK$4,507/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,010/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,754
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,670
−HK$2,963/mo
Today · 4.125%
HK$99,633
baseline
▲ 0.50% · 4.625%
HK$105,695
+HK$6,062/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,266/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,300
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,097
−HK$2,838/mo
Today · 4.125%
HK$109,935
baseline
▲ 0.50% · 4.625%
HK$115,730
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,870/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,781 · Scale 2, in force from 26 Feb 2026)