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$53,652
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,321
−HK$1,696/mo
Today · 4.125%
HK$57,017
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,034/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,687
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,288
−HK$1,624/mo
Today · 4.125%
HK$62,912
baseline
▲ 0.50% · 4.625%
HK$66,228
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,824/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,382
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,385
−HK$2,035/mo
Today · 4.125%
HK$68,420
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,840/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,625
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,546
−HK$1,949/mo
Today · 4.125%
HK$75,495
baseline
▲ 0.50% · 4.625%
HK$79,474
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,990/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,113
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,374/mo
Today · 4.125%
HK$79,823
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,857/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,646/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,562
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,803
−HK$2,274/mo
Today · 4.125%
HK$88,077
baseline
▲ 0.50% · 4.625%
HK$92,720
+HK$4,643/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,154/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,574
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,578
−HK$3,052/mo
Today · 4.125%
HK$102,630
baseline
▲ 0.50% · 4.625%
HK$108,875
+HK$6,245/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,260/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,437
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,319
−HK$2,923/mo
Today · 4.125%
HK$113,242
baseline
▲ 0.50% · 4.625%
HK$119,211
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,484/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,981 · Scale 2, in force from 26 Feb 2026)