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$52,517
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,151
−HK$1,659/mo
Today · 4.125%
HK$55,810
baseline
▲ 0.50% · 4.625%
HK$59,206
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,620/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,425
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,992
−HK$1,589/mo
Today · 4.125%
HK$61,581
baseline
▲ 0.50% · 4.625%
HK$64,827
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,162/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,021
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,981
−HK$1,992/mo
Today · 4.125%
HK$66,973
baseline
▲ 0.50% · 4.625%
HK$71,048
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,946/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,110
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,990
−HK$1,908/mo
Today · 4.125%
HK$73,898
baseline
▲ 0.50% · 4.625%
HK$77,793
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,796/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,524
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,811
−HK$2,324/mo
Today · 4.125%
HK$78,135
baseline
▲ 0.50% · 4.625%
HK$82,889
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,270/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,795
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,988
−HK$2,226/mo
Today · 4.125%
HK$86,214
baseline
▲ 0.50% · 4.625%
HK$90,758
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,428/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,531
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,471
−HK$2,988/mo
Today · 4.125%
HK$100,459
baseline
▲ 0.50% · 4.625%
HK$106,571
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,918/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,165
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,985
−HK$2,861/mo
Today · 4.125%
HK$110,846
baseline
▲ 0.50% · 4.625%
HK$116,689
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,692/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,828 · Scale 2, in force from 26 Feb 2026)