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$52,536
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,170
−HK$1,661/mo
Today · 4.125%
HK$55,831
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$3,397/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,662/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,013
−HK$1,591/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,247/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,043
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,004
−HK$1,993/mo
Today · 4.125%
HK$66,997
baseline
▲ 0.50% · 4.625%
HK$71,073
+HK$4,076/mo
Deposit HK$9.22M · loan HK$13.82M · min. income ≈ HK$133,994/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,135
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$1,908/mo
Today · 4.125%
HK$73,924
baseline
▲ 0.50% · 4.625%
HK$77,821
+HK$3,897/mo
Deposit HK$9.22M · loan HK$13.82M · min. income ≈ HK$147,848/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,551
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,325/mo
Today · 4.125%
HK$78,163
baseline
▲ 0.50% · 4.625%
HK$82,919
+HK$4,756/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,326/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,824
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,019
−HK$2,226/mo
Today · 4.125%
HK$86,245
baseline
▲ 0.50% · 4.625%
HK$90,791
+HK$4,546/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,490/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,565
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,507
−HK$2,988/mo
Today · 4.125%
HK$100,495
baseline
▲ 0.50% · 4.625%
HK$106,610
+HK$6,115/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$200,990/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,203
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,024
−HK$2,862/mo
Today · 4.125%
HK$110,886
baseline
▲ 0.50% · 4.625%
HK$116,731
+HK$5,845/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,772/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,182 · Scale 2, in force from 26 Feb 2026)