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$52,895
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,540
−HK$1,672/mo
Today · 4.125%
HK$56,212
baseline
▲ 0.50% · 4.625%
HK$59,632
+HK$3,420/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,424/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,845
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,601/mo
Today · 4.125%
HK$62,024
baseline
▲ 0.50% · 4.625%
HK$65,294
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,048/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,474
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$2,006/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,559
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$1,921/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,356
−HK$2,341/mo
Today · 4.125%
HK$78,697
baseline
▲ 0.50% · 4.625%
HK$83,485
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,394/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,383
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,593
−HK$2,241/mo
Today · 4.125%
HK$86,834
baseline
▲ 0.50% · 4.625%
HK$91,411
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,668/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,211
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,172
−HK$3,009/mo
Today · 4.125%
HK$101,181
baseline
▲ 0.50% · 4.625%
HK$107,338
+HK$6,157/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,362/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,921
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,762
−HK$2,882/mo
Today · 4.125%
HK$111,644
baseline
▲ 0.50% · 4.625%
HK$117,529
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,288/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,870 · Scale 2, in force from 26 Feb 2026)