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$53,189
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,844
−HK$1,681/mo
Today · 4.125%
HK$56,525
baseline
▲ 0.50% · 4.625%
HK$59,964
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,050/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,173
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,609/mo
Today · 4.125%
HK$62,369
baseline
▲ 0.50% · 4.625%
HK$65,657
+HK$3,288/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,738/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,827
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,813
−HK$2,017/mo
Today · 4.125%
HK$67,830
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$4,127/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,660/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,007
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,911
−HK$1,932/mo
Today · 4.125%
HK$74,843
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$3,945/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,686/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,465
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,781
−HK$2,354/mo
Today · 4.125%
HK$79,135
baseline
▲ 0.50% · 4.625%
HK$83,950
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,270/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,842
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,063
−HK$2,254/mo
Today · 4.125%
HK$87,317
baseline
▲ 0.50% · 4.625%
HK$91,920
+HK$4,603/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,634/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,741
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,719
−HK$3,026/mo
Today · 4.125%
HK$101,745
baseline
▲ 0.50% · 4.625%
HK$107,935
+HK$6,190/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,490/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,511
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,367
−HK$2,898/mo
Today · 4.125%
HK$112,265
baseline
▲ 0.50% · 4.625%
HK$118,183
+HK$5,918/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,530/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,356 · Scale 2, in force from 26 Feb 2026)