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$53,172
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,826
−HK$1,681/mo
Today · 4.125%
HK$56,507
baseline
▲ 0.50% · 4.625%
HK$59,945
+HK$3,438/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,014/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,154
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,740
−HK$1,610/mo
Today · 4.125%
HK$62,350
baseline
▲ 0.50% · 4.625%
HK$65,636
+HK$3,286/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,700/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,807
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,791
−HK$2,017/mo
Today · 4.125%
HK$67,808
baseline
▲ 0.50% · 4.625%
HK$71,934
+HK$4,126/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,616/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,984
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,888
−HK$1,931/mo
Today · 4.125%
HK$74,819
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$3,944/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,638/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,441
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,352/mo
Today · 4.125%
HK$79,109
baseline
▲ 0.50% · 4.625%
HK$83,923
+HK$4,814/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$158,218/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,815
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,036
−HK$2,253/mo
Today · 4.125%
HK$87,289
baseline
▲ 0.50% · 4.625%
HK$91,890
+HK$4,601/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$174,578/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,710
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,687
−HK$3,025/mo
Today · 4.125%
HK$101,712
baseline
▲ 0.50% · 4.625%
HK$107,901
+HK$6,189/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,424/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,477
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,332
−HK$2,897/mo
Today · 4.125%
HK$112,229
baseline
▲ 0.50% · 4.625%
HK$118,145
+HK$5,916/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,458/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,039 · Scale 2, in force from 26 Feb 2026)