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$53,521
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,691/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$60,338
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,542
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,139
−HK$1,620/mo
Today · 4.125%
HK$62,759
baseline
▲ 0.50% · 4.625%
HK$66,067
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,518/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,225
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,223
−HK$2,030/mo
Today · 4.125%
HK$68,253
baseline
▲ 0.50% · 4.625%
HK$72,406
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,506/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,450
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,366
−HK$1,944/mo
Today · 4.125%
HK$75,310
baseline
▲ 0.50% · 4.625%
HK$79,280
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,620/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,930
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,368/mo
Today · 4.125%
HK$79,628
baseline
▲ 0.50% · 4.625%
HK$84,474
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,256/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,358
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,594
−HK$2,268/mo
Today · 4.125%
HK$87,862
baseline
▲ 0.50% · 4.625%
HK$92,493
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,724/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,338
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,335
−HK$3,044/mo
Today · 4.125%
HK$102,379
baseline
▲ 0.50% · 4.625%
HK$108,609
+HK$6,230/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,758/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,175
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,050
−HK$2,916/mo
Today · 4.125%
HK$112,966
baseline
▲ 0.50% · 4.625%
HK$118,920
+HK$5,954/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,932/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,542 · Scale 2, in force from 26 Feb 2026)