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$52,131
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,648/mo
Today · 4.125%
HK$55,401
baseline
▲ 0.50% · 4.625%
HK$58,772
+HK$3,371/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,802/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,996
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,551
−HK$1,578/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,351
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,504
−HK$1,977/mo
Today · 4.125%
HK$66,481
baseline
▲ 0.50% · 4.625%
HK$70,526
+HK$4,045/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$132,962/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,595
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,461
−HK$1,894/mo
Today · 4.125%
HK$73,355
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$146,710/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,984
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$2,307/mo
Today · 4.125%
HK$77,561
baseline
▲ 0.50% · 4.625%
HK$82,280
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,122/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,194
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,372
−HK$2,209/mo
Today · 4.125%
HK$85,581
baseline
▲ 0.50% · 4.625%
HK$90,092
+HK$4,511/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,162/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,837
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,755
−HK$2,966/mo
Today · 4.125%
HK$99,721
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$6,068/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,442/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,392
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,192
−HK$2,840/mo
Today · 4.125%
HK$110,032
baseline
▲ 0.50% · 4.625%
HK$115,832
+HK$5,800/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,064/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,639 · Scale 2, in force from 26 Feb 2026)