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$53,450
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,112
−HK$1,690/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,462
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,057
−HK$1,618/mo
Today · 4.125%
HK$62,675
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,304/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,350/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,140
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$2,027/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$4,147/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,268
−HK$1,942/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$3,964/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,830
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,157
−HK$2,365/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$84,361
+HK$4,839/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,247
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,480
−HK$2,265/mo
Today · 4.125%
HK$87,745
baseline
▲ 0.50% · 4.625%
HK$92,370
+HK$4,625/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,490/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,210
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,202
−HK$3,041/mo
Today · 4.125%
HK$102,243
baseline
▲ 0.50% · 4.625%
HK$108,464
+HK$6,221/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,486/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,032
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,903
−HK$2,912/mo
Today · 4.125%
HK$112,815
baseline
▲ 0.50% · 4.625%
HK$118,761
+HK$5,946/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,630/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,211 · Scale 2, in force from 26 Feb 2026)