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$53,291
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,949
−HK$1,684/mo
Today · 4.125%
HK$56,633
baseline
▲ 0.50% · 4.625%
HK$60,079
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,266/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,286
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,613/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$65,782
+HK$3,293/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,949
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$2,021/mo
Today · 4.125%
HK$67,959
baseline
▲ 0.50% · 4.625%
HK$72,094
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,918/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,143
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,051
−HK$1,935/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$78,939
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,928
−HK$2,358/mo
Today · 4.125%
HK$79,286
baseline
▲ 0.50% · 4.625%
HK$84,110
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,572/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,000
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,226
−HK$2,258/mo
Today · 4.125%
HK$87,484
baseline
▲ 0.50% · 4.625%
HK$92,095
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,968/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,924
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,907
−HK$3,032/mo
Today · 4.125%
HK$101,939
baseline
▲ 0.50% · 4.625%
HK$108,142
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,878/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,714
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,576
−HK$2,903/mo
Today · 4.125%
HK$112,479
baseline
▲ 0.50% · 4.625%
HK$118,408
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,958/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,249 · Scale 2, in force from 26 Feb 2026)