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$52,805
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,447
−HK$1,669/mo
Today · 4.125%
HK$56,116
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,232/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,745
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,320
−HK$1,599/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,182
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,366
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,337
−HK$2,002/mo
Today · 4.125%
HK$67,339
baseline
▲ 0.50% · 4.625%
HK$71,437
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,678/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,494
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,384
−HK$1,918/mo
Today · 4.125%
HK$74,302
baseline
▲ 0.50% · 4.625%
HK$78,219
+HK$3,917/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,604/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,927
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,226
−HK$2,336/mo
Today · 4.125%
HK$78,562
baseline
▲ 0.50% · 4.625%
HK$83,343
+HK$4,781/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,124/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,243
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,448
−HK$2,238/mo
Today · 4.125%
HK$86,686
baseline
▲ 0.50% · 4.625%
HK$91,255
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,372/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,048
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,005
−HK$3,004/mo
Today · 4.125%
HK$101,009
baseline
▲ 0.50% · 4.625%
HK$107,155
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,018/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,740
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,576
−HK$2,877/mo
Today · 4.125%
HK$111,453
baseline
▲ 0.50% · 4.625%
HK$117,328
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,906/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,188 · Scale 2, in force from 26 Feb 2026)