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$52,598
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,235
−HK$1,662/mo
Today · 4.125%
HK$55,897
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,794/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,515
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,085
−HK$1,592/mo
Today · 4.125%
HK$61,677
baseline
▲ 0.50% · 4.625%
HK$64,928
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,354/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,118
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,081
−HK$1,995/mo
Today · 4.125%
HK$67,076
baseline
▲ 0.50% · 4.625%
HK$71,158
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,152/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,218
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,101
−HK$1,911/mo
Today · 4.125%
HK$74,012
baseline
▲ 0.50% · 4.625%
HK$77,913
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,024/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,638
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,928
−HK$2,328/mo
Today · 4.125%
HK$78,256
baseline
▲ 0.50% · 4.625%
HK$83,017
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,512/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,921
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,118
−HK$2,229/mo
Today · 4.125%
HK$86,347
baseline
▲ 0.50% · 4.625%
HK$90,899
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,694/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,677
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,622
−HK$2,992/mo
Today · 4.125%
HK$100,614
baseline
▲ 0.50% · 4.625%
HK$106,736
+HK$6,122/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,228/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,327
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,152
−HK$2,866/mo
Today · 4.125%
HK$111,018
baseline
▲ 0.50% · 4.625%
HK$116,870
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,036/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,343 · Scale 2, in force from 26 Feb 2026)