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$53,059
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,710
−HK$1,677/mo
Today · 4.125%
HK$56,387
baseline
▲ 0.50% · 4.625%
HK$59,818
+HK$3,431/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,774/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,028
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,611
−HK$1,606/mo
Today · 4.125%
HK$62,217
baseline
▲ 0.50% · 4.625%
HK$65,497
+HK$3,280/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,434/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,671
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,652
−HK$2,012/mo
Today · 4.125%
HK$67,664
baseline
▲ 0.50% · 4.625%
HK$71,781
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,328/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,834
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$1,928/mo
Today · 4.125%
HK$74,661
baseline
▲ 0.50% · 4.625%
HK$78,596
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,322/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,283
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,594
−HK$2,347/mo
Today · 4.125%
HK$78,941
baseline
▲ 0.50% · 4.625%
HK$83,745
+HK$4,804/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,882/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,639
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,856
−HK$2,248/mo
Today · 4.125%
HK$87,104
baseline
▲ 0.50% · 4.625%
HK$91,695
+HK$4,591/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,208/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,507
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,478
−HK$3,018/mo
Today · 4.125%
HK$101,496
baseline
▲ 0.50% · 4.625%
HK$107,672
+HK$6,176/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,992/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,250
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,100
−HK$2,891/mo
Today · 4.125%
HK$111,991
baseline
▲ 0.50% · 4.625%
HK$117,894
+HK$5,903/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,982/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,935 · Scale 2, in force from 26 Feb 2026)