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$52,973
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,621
−HK$1,674/mo
Today · 4.125%
HK$56,295
baseline
▲ 0.50% · 4.625%
HK$59,720
+HK$3,425/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,590/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,932
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,512
−HK$1,604/mo
Today · 4.125%
HK$62,116
baseline
▲ 0.50% · 4.625%
HK$65,390
+HK$3,274/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,232/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,567
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$2,009/mo
Today · 4.125%
HK$67,554
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$4,110/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,108/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,718
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,615
−HK$1,924/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$78,468
+HK$3,929/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,078/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,162
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,469
−HK$2,344/mo
Today · 4.125%
HK$78,813
baseline
▲ 0.50% · 4.625%
HK$83,608
+HK$4,795/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,626/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,504
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,717
−HK$2,245/mo
Today · 4.125%
HK$86,962
baseline
▲ 0.50% · 4.625%
HK$91,546
+HK$4,584/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,924/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,351
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,317
−HK$3,013/mo
Today · 4.125%
HK$101,330
baseline
▲ 0.50% · 4.625%
HK$107,496
+HK$6,166/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,660/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,077
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,922
−HK$2,886/mo
Today · 4.125%
HK$111,808
baseline
▲ 0.50% · 4.625%
HK$117,702
+HK$5,894/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,616/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,322 · Scale 2, in force from 26 Feb 2026)