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$53,110
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,762
−HK$1,678/mo
Today · 4.125%
HK$56,440
baseline
▲ 0.50% · 4.625%
HK$59,874
+HK$3,434/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,880/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,084
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,669
−HK$1,607/mo
Today · 4.125%
HK$62,276
baseline
▲ 0.50% · 4.625%
HK$65,559
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,552/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,732
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,714
−HK$2,014/mo
Today · 4.125%
HK$67,728
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$4,121/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,456/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,901
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$1,929/mo
Today · 4.125%
HK$74,731
baseline
▲ 0.50% · 4.625%
HK$78,671
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,462/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,354
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,666
−HK$2,350/mo
Today · 4.125%
HK$79,016
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,032/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,718
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,936
−HK$2,251/mo
Today · 4.125%
HK$87,187
baseline
▲ 0.50% · 4.625%
HK$91,782
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,374/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,598
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,571
−HK$3,021/mo
Today · 4.125%
HK$101,592
baseline
▲ 0.50% · 4.625%
HK$107,774
+HK$6,182/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,184/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,351
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,204
−HK$2,893/mo
Today · 4.125%
HK$112,097
baseline
▲ 0.50% · 4.625%
HK$118,006
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,194/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,874 · Scale 2, in force from 26 Feb 2026)