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$53,510
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,175
−HK$1,691/mo
Today · 4.125%
HK$56,866
baseline
▲ 0.50% · 4.625%
HK$60,326
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,732/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,530
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,126
−HK$1,620/mo
Today · 4.125%
HK$62,746
baseline
▲ 0.50% · 4.625%
HK$66,053
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,492/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,212
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,210
−HK$2,029/mo
Today · 4.125%
HK$68,239
baseline
▲ 0.50% · 4.625%
HK$72,391
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,478/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,436
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,351
−HK$1,944/mo
Today · 4.125%
HK$75,295
baseline
▲ 0.50% · 4.625%
HK$79,264
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,590/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,914
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,367/mo
Today · 4.125%
HK$79,612
baseline
▲ 0.50% · 4.625%
HK$84,456
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,224/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,342
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,577
−HK$2,267/mo
Today · 4.125%
HK$87,844
baseline
▲ 0.50% · 4.625%
HK$92,475
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,688/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,319
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,315
−HK$3,044/mo
Today · 4.125%
HK$102,359
baseline
▲ 0.50% · 4.625%
HK$108,587
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,718/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,153
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,027
−HK$2,916/mo
Today · 4.125%
HK$112,943
baseline
▲ 0.50% · 4.625%
HK$118,896
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,886/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,339 · Scale 2, in force from 26 Feb 2026)