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$53,374
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,034
−HK$1,687/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$60,172
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,378
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,616/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$65,885
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,048
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,041
−HK$2,024/mo
Today · 4.125%
HK$68,065
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$4,141/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,130/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,253
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,164
−HK$1,939/mo
Today · 4.125%
HK$75,103
baseline
▲ 0.50% · 4.625%
HK$79,061
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,206/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,723
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,047
−HK$2,362/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$84,241
+HK$4,832/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,129
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,358
−HK$2,262/mo
Today · 4.125%
HK$87,620
baseline
▲ 0.50% · 4.625%
HK$92,238
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,240/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,072
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,061
−HK$3,036/mo
Today · 4.125%
HK$102,097
baseline
▲ 0.50% · 4.625%
HK$108,309
+HK$6,212/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,194/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,880
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,746
−HK$2,908/mo
Today · 4.125%
HK$112,654
baseline
▲ 0.50% · 4.625%
HK$118,592
+HK$5,938/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,308/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,791 · Scale 2, in force from 26 Feb 2026)