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$52,136
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,758
−HK$1,648/mo
Today · 4.125%
HK$55,406
baseline
▲ 0.50% · 4.625%
HK$58,777
+HK$3,371/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,812/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,001
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,557
−HK$1,578/mo
Today · 4.125%
HK$61,135
baseline
▲ 0.50% · 4.625%
HK$64,357
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,270/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,564
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,510
−HK$1,977/mo
Today · 4.125%
HK$66,487
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$4,045/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,974/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,601
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,468
−HK$1,894/mo
Today · 4.125%
HK$73,362
baseline
▲ 0.50% · 4.625%
HK$77,229
+HK$3,867/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,724/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,991
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$2,307/mo
Today · 4.125%
HK$77,568
baseline
▲ 0.50% · 4.625%
HK$82,288
+HK$4,720/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,136/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,202
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,379
−HK$2,210/mo
Today · 4.125%
HK$85,589
baseline
▲ 0.50% · 4.625%
HK$90,100
+HK$4,511/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,178/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,845
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,765
−HK$2,965/mo
Today · 4.125%
HK$99,730
baseline
▲ 0.50% · 4.625%
HK$105,799
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,460/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,402
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,202
−HK$2,841/mo
Today · 4.125%
HK$110,043
baseline
▲ 0.50% · 4.625%
HK$115,843
+HK$5,800/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,086/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,731 · Scale 2, in force from 26 Feb 2026)