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$53,497
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,161
−HK$1,691/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$60,311
+HK$3,459/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,515
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,111
−HK$1,619/mo
Today · 4.125%
HK$62,730
baseline
▲ 0.50% · 4.625%
HK$66,037
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,460/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,197
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,193
−HK$2,029/mo
Today · 4.125%
HK$68,222
baseline
▲ 0.50% · 4.625%
HK$72,373
+HK$4,151/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$136,444/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,418
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,333
−HK$1,944/mo
Today · 4.125%
HK$75,277
baseline
▲ 0.50% · 4.625%
HK$79,244
+HK$3,967/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$150,554/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,896
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,226
−HK$2,367/mo
Today · 4.125%
HK$79,593
baseline
▲ 0.50% · 4.625%
HK$84,436
+HK$4,843/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,186/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,321
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,556
−HK$2,267/mo
Today · 4.125%
HK$87,823
baseline
▲ 0.50% · 4.625%
HK$92,452
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,646/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,295
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,290
−HK$3,043/mo
Today · 4.125%
HK$102,333
baseline
▲ 0.50% · 4.625%
HK$108,560
+HK$6,227/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,666/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,127
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,000
−HK$2,915/mo
Today · 4.125%
HK$112,915
baseline
▲ 0.50% · 4.625%
HK$118,867
+HK$5,952/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,830/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,094 · Scale 2, in force from 26 Feb 2026)