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$53,268
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,925
−HK$1,684/mo
Today · 4.125%
HK$56,609
baseline
▲ 0.50% · 4.625%
HK$60,053
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,218/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,260
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,850
−HK$1,612/mo
Today · 4.125%
HK$62,462
baseline
▲ 0.50% · 4.625%
HK$65,754
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,924/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,922
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$2,020/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$72,064
+HK$4,134/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,112
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,020
−HK$1,934/mo
Today · 4.125%
HK$74,954
baseline
▲ 0.50% · 4.625%
HK$78,905
+HK$3,951/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$149,908/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,575
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,895
−HK$2,357/mo
Today · 4.125%
HK$79,252
baseline
▲ 0.50% · 4.625%
HK$84,074
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,504/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,964
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,189
−HK$2,258/mo
Today · 4.125%
HK$87,447
baseline
▲ 0.50% · 4.625%
HK$92,056
+HK$4,609/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,894/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,883
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,865
−HK$3,030/mo
Today · 4.125%
HK$101,895
baseline
▲ 0.50% · 4.625%
HK$108,095
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,790/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,669
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,529
−HK$2,903/mo
Today · 4.125%
HK$112,432
baseline
▲ 0.50% · 4.625%
HK$118,358
+HK$5,926/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,864/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,826 · Scale 2, in force from 26 Feb 2026)