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$52,183
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,806
−HK$1,649/mo
Today · 4.125%
HK$55,455
baseline
▲ 0.50% · 4.625%
HK$58,829
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,910/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,053
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,610
−HK$1,579/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,226/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,567
−HK$1,979/mo
Today · 4.125%
HK$66,546
baseline
▲ 0.50% · 4.625%
HK$70,595
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,092/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,663
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$1,895/mo
Today · 4.125%
HK$73,427
baseline
▲ 0.50% · 4.625%
HK$77,297
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,854/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,056
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,328
−HK$2,309/mo
Today · 4.125%
HK$77,637
baseline
▲ 0.50% · 4.625%
HK$82,361
+HK$4,724/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,274/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,274
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,454
−HK$2,211/mo
Today · 4.125%
HK$85,665
baseline
▲ 0.50% · 4.625%
HK$90,180
+HK$4,515/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,330/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,929
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,851
−HK$2,968/mo
Today · 4.125%
HK$99,819
baseline
▲ 0.50% · 4.625%
HK$105,893
+HK$6,074/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,638/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,495
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,298
−HK$2,843/mo
Today · 4.125%
HK$110,141
baseline
▲ 0.50% · 4.625%
HK$115,946
+HK$5,805/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,282/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,596 · Scale 2, in force from 26 Feb 2026)