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$53,422
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,084
−HK$1,688/mo
Today · 4.125%
HK$56,772
baseline
▲ 0.50% · 4.625%
HK$60,227
+HK$3,455/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,544/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,432
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,617/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$65,945
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,286/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,107
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,101
−HK$2,026/mo
Today · 4.125%
HK$68,127
baseline
▲ 0.50% · 4.625%
HK$72,272
+HK$4,145/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,254/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,318
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,231
−HK$1,940/mo
Today · 4.125%
HK$75,171
baseline
▲ 0.50% · 4.625%
HK$79,134
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,342/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,791
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,118
−HK$2,363/mo
Today · 4.125%
HK$79,481
baseline
▲ 0.50% · 4.625%
HK$84,318
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,962/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,205
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,436
−HK$2,264/mo
Today · 4.125%
HK$87,700
baseline
▲ 0.50% · 4.625%
HK$92,323
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,400/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,160
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,152
−HK$3,038/mo
Today · 4.125%
HK$102,190
baseline
▲ 0.50% · 4.625%
HK$108,409
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,380/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,977
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,847
−HK$2,910/mo
Today · 4.125%
HK$112,757
baseline
▲ 0.50% · 4.625%
HK$118,701
+HK$5,944/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,514/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,701 · Scale 2, in force from 26 Feb 2026)