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$52,354
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,982
−HK$1,655/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$59,022
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,243
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,805
−HK$1,585/mo
Today · 4.125%
HK$61,390
baseline
▲ 0.50% · 4.625%
HK$64,626
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,780/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,824
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,985/mo
Today · 4.125%
HK$66,764
baseline
▲ 0.50% · 4.625%
HK$70,827
+HK$4,063/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$133,528/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,892
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,766
−HK$1,902/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$77,551
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,575
−HK$2,317/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,540
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,727
−HK$2,219/mo
Today · 4.125%
HK$85,946
baseline
▲ 0.50% · 4.625%
HK$90,476
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,892/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,237
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,168
−HK$2,978/mo
Today · 4.125%
HK$100,146
baseline
▲ 0.50% · 4.625%
HK$106,240
+HK$6,094/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,292/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,837
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,649
−HK$2,852/mo
Today · 4.125%
HK$110,501
baseline
▲ 0.50% · 4.625%
HK$116,326
+HK$5,825/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$221,002/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,783 · Scale 2, in force from 26 Feb 2026)