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$52,567
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,202
−HK$1,661/mo
Today · 4.125%
HK$55,863
baseline
▲ 0.50% · 4.625%
HK$59,262
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,726/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,480
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,048
−HK$1,592/mo
Today · 4.125%
HK$61,640
baseline
▲ 0.50% · 4.625%
HK$64,889
+HK$3,249/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,280/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,080
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,042
−HK$1,994/mo
Today · 4.125%
HK$67,036
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,072/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,176
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,058
−HK$1,909/mo
Today · 4.125%
HK$73,967
baseline
▲ 0.50% · 4.625%
HK$77,866
+HK$3,899/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,934/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,594
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,883
−HK$2,326/mo
Today · 4.125%
HK$78,209
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,758/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,418/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,872
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,227/mo
Today · 4.125%
HK$86,295
baseline
▲ 0.50% · 4.625%
HK$90,844
+HK$4,549/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,590/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,620
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,564
−HK$2,990/mo
Today · 4.125%
HK$100,554
baseline
▲ 0.50% · 4.625%
HK$106,672
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,108/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,264
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,087
−HK$2,864/mo
Today · 4.125%
HK$110,951
baseline
▲ 0.50% · 4.625%
HK$116,800
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,902/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,754 · Scale 2, in force from 26 Feb 2026)