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$52,774
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,668/mo
Today · 4.125%
HK$56,083
baseline
▲ 0.50% · 4.625%
HK$59,496
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,166/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,710
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,285
−HK$1,597/mo
Today · 4.125%
HK$61,882
baseline
▲ 0.50% · 4.625%
HK$65,144
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,764/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,328
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,298
−HK$2,002/mo
Today · 4.125%
HK$67,300
baseline
▲ 0.50% · 4.625%
HK$71,395
+HK$4,095/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,600/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,452
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,342
−HK$1,917/mo
Today · 4.125%
HK$74,259
baseline
▲ 0.50% · 4.625%
HK$78,173
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,518/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,883
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,181
−HK$2,335/mo
Today · 4.125%
HK$78,516
baseline
▲ 0.50% · 4.625%
HK$83,294
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,032/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,194
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,399
−HK$2,236/mo
Today · 4.125%
HK$86,635
baseline
▲ 0.50% · 4.625%
HK$91,202
+HK$4,567/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,270/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,993
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,948
−HK$3,002/mo
Today · 4.125%
HK$100,950
baseline
▲ 0.50% · 4.625%
HK$107,092
+HK$6,142/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,900/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,678
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,513
−HK$2,875/mo
Today · 4.125%
HK$111,388
baseline
▲ 0.50% · 4.625%
HK$117,259
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,776/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,611 · Scale 2, in force from 26 Feb 2026)