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$53,477
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,141
−HK$1,690/mo
Today · 4.125%
HK$56,831
baseline
▲ 0.50% · 4.625%
HK$60,289
+HK$3,458/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,662/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,493
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,088
−HK$1,619/mo
Today · 4.125%
HK$62,707
baseline
▲ 0.50% · 4.625%
HK$66,012
+HK$3,305/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,414/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,173
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,169
−HK$2,028/mo
Today · 4.125%
HK$68,197
baseline
▲ 0.50% · 4.625%
HK$72,346
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,394/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,391
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,306
−HK$1,943/mo
Today · 4.125%
HK$75,249
baseline
▲ 0.50% · 4.625%
HK$79,215
+HK$3,966/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,498/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,197
−HK$2,366/mo
Today · 4.125%
HK$79,563
baseline
▲ 0.50% · 4.625%
HK$84,404
+HK$4,841/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,126/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,290
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,524
−HK$2,266/mo
Today · 4.125%
HK$87,790
baseline
▲ 0.50% · 4.625%
HK$92,417
+HK$4,627/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,580/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,259
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,253
−HK$3,042/mo
Today · 4.125%
HK$102,295
baseline
▲ 0.50% · 4.625%
HK$108,520
+HK$6,225/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,590/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,087
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,959
−HK$2,914/mo
Today · 4.125%
HK$112,873
baseline
▲ 0.50% · 4.625%
HK$118,822
+HK$5,949/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,746/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,723 · Scale 2, in force from 26 Feb 2026)