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$52,474
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,107
−HK$1,658/mo
Today · 4.125%
HK$55,765
baseline
▲ 0.50% · 4.625%
HK$59,158
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,530/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,377
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,943
−HK$1,588/mo
Today · 4.125%
HK$61,531
baseline
▲ 0.50% · 4.625%
HK$64,774
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,062/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,969
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,990/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$4,072/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,053
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,931
−HK$1,906/mo
Today · 4.125%
HK$73,837
baseline
▲ 0.50% · 4.625%
HK$77,729
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,674/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,464
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,322/mo
Today · 4.125%
HK$78,071
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,142/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,728
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,224/mo
Today · 4.125%
HK$86,144
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,288/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,454
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,392
−HK$2,985/mo
Today · 4.125%
HK$100,377
baseline
▲ 0.50% · 4.625%
HK$106,485
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,754/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,079
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,897
−HK$2,859/mo
Today · 4.125%
HK$110,756
baseline
▲ 0.50% · 4.625%
HK$116,594
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,512/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,030 · Scale 2, in force from 26 Feb 2026)