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$53,341
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,000
−HK$1,686/mo
Today · 4.125%
HK$56,686
baseline
▲ 0.50% · 4.625%
HK$60,135
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,372/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,341
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,614/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,009
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,000
−HK$2,023/mo
Today · 4.125%
HK$68,023
baseline
▲ 0.50% · 4.625%
HK$72,162
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,046/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,209
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,119
−HK$1,938/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,013
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,677
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,000
−HK$2,360/mo
Today · 4.125%
HK$79,360
baseline
▲ 0.50% · 4.625%
HK$84,189
+HK$4,829/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,720/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,078
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,306
−HK$2,260/mo
Today · 4.125%
HK$87,566
baseline
▲ 0.50% · 4.625%
HK$92,182
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,132/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,014
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,000
−HK$3,035/mo
Today · 4.125%
HK$102,035
baseline
▲ 0.50% · 4.625%
HK$108,243
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,070/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,814
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,679
−HK$2,906/mo
Today · 4.125%
HK$112,585
baseline
▲ 0.50% · 4.625%
HK$118,520
+HK$5,935/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,170/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,182 · Scale 2, in force from 26 Feb 2026)