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$53,639
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,695/mo
Today · 4.125%
HK$57,003
baseline
▲ 0.50% · 4.625%
HK$60,472
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,006/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,673
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,274
−HK$1,623/mo
Today · 4.125%
HK$62,897
baseline
▲ 0.50% · 4.625%
HK$66,213
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,794/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,367
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,369
−HK$2,035/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,566
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,608
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$1,949/mo
Today · 4.125%
HK$75,477
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,954/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,095
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,431
−HK$2,373/mo
Today · 4.125%
HK$79,804
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,608/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,543
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,783
−HK$2,273/mo
Today · 4.125%
HK$88,056
baseline
▲ 0.50% · 4.625%
HK$92,698
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,112/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,551
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,554
−HK$3,051/mo
Today · 4.125%
HK$102,605
baseline
▲ 0.50% · 4.625%
HK$108,849
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,210/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,412
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,293
−HK$2,922/mo
Today · 4.125%
HK$113,215
baseline
▲ 0.50% · 4.625%
HK$119,183
+HK$5,968/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,430/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,745 · Scale 2, in force from 26 Feb 2026)