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$53,210
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,865
−HK$1,681/mo
Today · 4.125%
HK$56,546
baseline
▲ 0.50% · 4.625%
HK$59,987
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,092/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,195
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,783
−HK$1,610/mo
Today · 4.125%
HK$62,393
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,786/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,851
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,838
−HK$2,018/mo
Today · 4.125%
HK$67,856
baseline
▲ 0.50% · 4.625%
HK$71,984
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,712/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,034
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,939
−HK$1,933/mo
Today · 4.125%
HK$74,872
baseline
▲ 0.50% · 4.625%
HK$78,818
+HK$3,946/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,744/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,493
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,811
−HK$2,354/mo
Today · 4.125%
HK$79,165
baseline
▲ 0.50% · 4.625%
HK$83,982
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,330/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,873
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,096
−HK$2,255/mo
Today · 4.125%
HK$87,351
baseline
▲ 0.50% · 4.625%
HK$91,955
+HK$4,604/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,702/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,777
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,756
−HK$3,027/mo
Today · 4.125%
HK$101,783
baseline
▲ 0.50% · 4.625%
HK$107,977
+HK$6,194/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,566/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,551
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,409
−HK$2,899/mo
Today · 4.125%
HK$112,308
baseline
▲ 0.50% · 4.625%
HK$118,228
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,616/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,734 · Scale 2, in force from 26 Feb 2026)