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$53,622
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,290
−HK$1,695/mo
Today · 4.125%
HK$56,985
baseline
▲ 0.50% · 4.625%
HK$60,452
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,970/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,654
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,254
−HK$1,623/mo
Today · 4.125%
HK$62,877
baseline
▲ 0.50% · 4.625%
HK$66,191
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,754/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$2,034/mo
Today · 4.125%
HK$68,382
baseline
▲ 0.50% · 4.625%
HK$72,542
+HK$4,160/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,764/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,585
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,505
−HK$1,947/mo
Today · 4.125%
HK$75,452
baseline
▲ 0.50% · 4.625%
HK$79,429
+HK$3,977/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,904/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,071
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,406
−HK$2,372/mo
Today · 4.125%
HK$79,778
baseline
▲ 0.50% · 4.625%
HK$84,633
+HK$4,855/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,556/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,516
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,755
−HK$2,273/mo
Today · 4.125%
HK$88,028
baseline
▲ 0.50% · 4.625%
HK$92,668
+HK$4,640/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,056/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,520
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,522
−HK$3,050/mo
Today · 4.125%
HK$102,572
baseline
▲ 0.50% · 4.625%
HK$108,814
+HK$6,242/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,144/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,377
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,257
−HK$2,921/mo
Today · 4.125%
HK$113,178
baseline
▲ 0.50% · 4.625%
HK$119,144
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,356/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,422 · Scale 2, in force from 26 Feb 2026)