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$52,486
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,118
−HK$1,659/mo
Today · 4.125%
HK$55,777
baseline
▲ 0.50% · 4.625%
HK$59,171
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,554/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,390
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,956
−HK$1,589/mo
Today · 4.125%
HK$61,545
baseline
▲ 0.50% · 4.625%
HK$64,789
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,090/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,983
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,942
−HK$1,991/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$71,005
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,068
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,947
−HK$1,906/mo
Today · 4.125%
HK$73,853
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,706/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,480
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,766
−HK$2,322/mo
Today · 4.125%
HK$78,088
baseline
▲ 0.50% · 4.625%
HK$82,839
+HK$4,751/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$156,176/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,746
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,938
−HK$2,224/mo
Today · 4.125%
HK$86,162
baseline
▲ 0.50% · 4.625%
HK$90,704
+HK$4,542/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$172,324/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,474
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,986/mo
Today · 4.125%
HK$100,399
baseline
▲ 0.50% · 4.625%
HK$106,508
+HK$6,109/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,798/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,102
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,921
−HK$2,859/mo
Today · 4.125%
HK$110,780
baseline
▲ 0.50% · 4.625%
HK$116,620
+HK$5,840/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,560/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,244 · Scale 2, in force from 26 Feb 2026)