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$53,190
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,845
−HK$1,681/mo
Today · 4.125%
HK$56,526
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,052/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,173
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,610/mo
Today · 4.125%
HK$62,370
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,288/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,740/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,828
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,814
−HK$2,017/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,958
+HK$4,127/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,008
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,913
−HK$1,932/mo
Today · 4.125%
HK$74,845
baseline
▲ 0.50% · 4.625%
HK$78,790
+HK$3,945/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,690/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,466
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,783
−HK$2,353/mo
Today · 4.125%
HK$79,136
baseline
▲ 0.50% · 4.625%
HK$83,951
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,272/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,843
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,065
−HK$2,254/mo
Today · 4.125%
HK$87,319
baseline
▲ 0.50% · 4.625%
HK$91,921
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,638/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,742
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,720
−HK$3,026/mo
Today · 4.125%
HK$101,746
baseline
▲ 0.50% · 4.625%
HK$107,937
+HK$6,191/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,492/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,369
−HK$2,898/mo
Today · 4.125%
HK$112,267
baseline
▲ 0.50% · 4.625%
HK$118,185
+HK$5,918/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,534/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,372 · Scale 2, in force from 26 Feb 2026)