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$53,218
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,873
−HK$1,682/mo
Today · 4.125%
HK$56,555
baseline
▲ 0.50% · 4.625%
HK$59,996
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,110/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,204
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,792
−HK$1,611/mo
Today · 4.125%
HK$62,403
baseline
▲ 0.50% · 4.625%
HK$65,692
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,806/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,861
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,848
−HK$2,018/mo
Today · 4.125%
HK$67,866
baseline
▲ 0.50% · 4.625%
HK$71,996
+HK$4,130/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,732/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,045
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$1,933/mo
Today · 4.125%
HK$74,884
baseline
▲ 0.50% · 4.625%
HK$78,831
+HK$3,947/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,768/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,505
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,823
−HK$2,354/mo
Today · 4.125%
HK$79,177
baseline
▲ 0.50% · 4.625%
HK$83,995
+HK$4,818/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,354/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,886
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,255/mo
Today · 4.125%
HK$87,364
baseline
▲ 0.50% · 4.625%
HK$91,969
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,728/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,792
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,772
−HK$3,027/mo
Today · 4.125%
HK$101,799
baseline
▲ 0.50% · 4.625%
HK$107,994
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,598/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,568
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,426
−HK$2,899/mo
Today · 4.125%
HK$112,325
baseline
▲ 0.50% · 4.625%
HK$118,246
+HK$5,921/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,650/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,889 · Scale 2, in force from 26 Feb 2026)