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$52,858
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,502
−HK$1,670/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,590
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,804
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,600/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,248
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,962/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,429
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$2,005/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$71,509
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,565
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,457
−HK$1,920/mo
Today · 4.125%
HK$74,377
baseline
▲ 0.50% · 4.625%
HK$78,297
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,754/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,001
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,303
−HK$2,338/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$83,427
+HK$4,786/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,325
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,533
−HK$2,240/mo
Today · 4.125%
HK$86,773
baseline
▲ 0.50% · 4.625%
HK$91,347
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,546/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,144
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,104
−HK$3,006/mo
Today · 4.125%
HK$101,110
baseline
▲ 0.50% · 4.625%
HK$107,263
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,220/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,847
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,686
−HK$2,879/mo
Today · 4.125%
HK$111,565
baseline
▲ 0.50% · 4.625%
HK$117,446
+HK$5,881/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,130/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,178 · Scale 2, in force from 26 Feb 2026)