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$52,652
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,290
−HK$1,664/mo
Today · 4.125%
HK$55,954
baseline
▲ 0.50% · 4.625%
HK$59,358
+HK$3,404/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,908/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,575
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,146
−HK$1,593/mo
Today · 4.125%
HK$61,739
baseline
▲ 0.50% · 4.625%
HK$64,994
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,478/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,182
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,148
−HK$1,996/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,290
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$1,912/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$77,992
+HK$3,905/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,713
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,006
−HK$2,329/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$83,102
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,005
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,204
−HK$2,231/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$90,991
+HK$4,556/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,721
−HK$2,996/mo
Today · 4.125%
HK$100,717
baseline
▲ 0.50% · 4.625%
HK$106,845
+HK$6,128/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,434/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,434
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,262
−HK$2,869/mo
Today · 4.125%
HK$111,131
baseline
▲ 0.50% · 4.625%
HK$116,989
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,262/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,340 · Scale 2, in force from 26 Feb 2026)