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$53,124
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,776
−HK$1,679/mo
Today · 4.125%
HK$56,455
baseline
▲ 0.50% · 4.625%
HK$59,890
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,910/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,685
−HK$1,608/mo
Today · 4.125%
HK$62,293
baseline
▲ 0.50% · 4.625%
HK$65,576
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,586/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,732
−HK$2,014/mo
Today · 4.125%
HK$67,746
baseline
▲ 0.50% · 4.625%
HK$71,868
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,492/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,920
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,822
−HK$1,929/mo
Today · 4.125%
HK$74,751
baseline
▲ 0.50% · 4.625%
HK$78,691
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,502/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,373
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,687
−HK$2,350/mo
Today · 4.125%
HK$79,037
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,074/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,740
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,959
−HK$2,251/mo
Today · 4.125%
HK$87,210
baseline
▲ 0.50% · 4.625%
HK$91,807
+HK$4,597/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,420/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,623
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,597
−HK$3,022/mo
Today · 4.125%
HK$101,619
baseline
▲ 0.50% · 4.625%
HK$107,803
+HK$6,184/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,238/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,379
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,232
−HK$2,895/mo
Today · 4.125%
HK$112,127
baseline
▲ 0.50% · 4.625%
HK$118,037
+HK$5,910/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,254/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,135 · Scale 2, in force from 26 Feb 2026)