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$53,027
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,676
−HK$1,676/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,781
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,992
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,574
−HK$1,605/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,456
+HK$3,277/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,632
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,611
−HK$2,011/mo
Today · 4.125%
HK$67,622
baseline
▲ 0.50% · 4.625%
HK$71,737
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,244/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,790
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$1,926/mo
Today · 4.125%
HK$74,614
baseline
▲ 0.50% · 4.625%
HK$78,547
+HK$3,933/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,228/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,347/mo
Today · 4.125%
HK$78,893
baseline
▲ 0.50% · 4.625%
HK$83,693
+HK$4,800/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,786/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,803
−HK$2,247/mo
Today · 4.125%
HK$87,050
baseline
▲ 0.50% · 4.625%
HK$91,639
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,100/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,448
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,417
−HK$3,016/mo
Today · 4.125%
HK$101,433
baseline
▲ 0.50% · 4.625%
HK$107,605
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,866/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,185
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,033
−HK$2,889/mo
Today · 4.125%
HK$111,922
baseline
▲ 0.50% · 4.625%
HK$117,821
+HK$5,899/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,844/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,324 · Scale 2, in force from 26 Feb 2026)