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$53,468
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,690/mo
Today · 4.125%
HK$56,821
baseline
▲ 0.50% · 4.625%
HK$60,278
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,642/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,483
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,078
−HK$1,618/mo
Today · 4.125%
HK$62,696
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,392/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,162
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$2,028/mo
Today · 4.125%
HK$68,185
baseline
▲ 0.50% · 4.625%
HK$72,334
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,370/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,294
−HK$1,942/mo
Today · 4.125%
HK$75,236
baseline
▲ 0.50% · 4.625%
HK$79,201
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,472/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,855
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,184
−HK$2,365/mo
Today · 4.125%
HK$79,549
baseline
▲ 0.50% · 4.625%
HK$84,390
+HK$4,841/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,098/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,276
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,509
−HK$2,266/mo
Today · 4.125%
HK$87,775
baseline
▲ 0.50% · 4.625%
HK$92,402
+HK$4,627/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,550/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,243
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,236
−HK$3,042/mo
Today · 4.125%
HK$102,278
baseline
▲ 0.50% · 4.625%
HK$108,501
+HK$6,223/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,556/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,069
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,940
−HK$2,913/mo
Today · 4.125%
HK$112,853
baseline
▲ 0.50% · 4.625%
HK$118,802
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,706/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,552 · Scale 2, in force from 26 Feb 2026)