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$52,997
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,646
−HK$1,675/mo
Today · 4.125%
HK$56,321
baseline
▲ 0.50% · 4.625%
HK$59,748
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,642/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,959
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,604/mo
Today · 4.125%
HK$62,144
baseline
▲ 0.50% · 4.625%
HK$65,420
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,288/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,597
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,575
−HK$2,010/mo
Today · 4.125%
HK$67,585
baseline
▲ 0.50% · 4.625%
HK$71,697
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,170/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,648
−HK$1,925/mo
Today · 4.125%
HK$74,573
baseline
▲ 0.50% · 4.625%
HK$78,504
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,146/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,196
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,504
−HK$2,345/mo
Today · 4.125%
HK$78,849
baseline
▲ 0.50% · 4.625%
HK$83,647
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,698/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,542
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,756
−HK$2,246/mo
Today · 4.125%
HK$87,002
baseline
▲ 0.50% · 4.625%
HK$91,588
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,004/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,395
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,362
−HK$3,015/mo
Today · 4.125%
HK$101,377
baseline
▲ 0.50% · 4.625%
HK$107,546
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,754/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,126
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,972
−HK$2,888/mo
Today · 4.125%
HK$111,860
baseline
▲ 0.50% · 4.625%
HK$117,756
+HK$5,896/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,720/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,776 · Scale 2, in force from 26 Feb 2026)