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$53,252
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,909
−HK$1,683/mo
Today · 4.125%
HK$56,592
baseline
▲ 0.50% · 4.625%
HK$60,035
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,184/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,243
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,832
−HK$1,612/mo
Today · 4.125%
HK$62,444
baseline
▲ 0.50% · 4.625%
HK$65,735
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,888/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,903
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,891
−HK$2,019/mo
Today · 4.125%
HK$67,910
baseline
▲ 0.50% · 4.625%
HK$72,042
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,820/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,091
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,998
−HK$1,934/mo
Today · 4.125%
HK$74,932
baseline
▲ 0.50% · 4.625%
HK$78,882
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,864/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,553
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,873
−HK$2,356/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$84,050
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,940
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,164
−HK$2,257/mo
Today · 4.125%
HK$87,421
baseline
▲ 0.50% · 4.625%
HK$92,029
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,842/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,854
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,836
−HK$3,029/mo
Today · 4.125%
HK$101,865
baseline
▲ 0.50% · 4.625%
HK$108,064
+HK$6,199/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,730/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,637
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,497
−HK$2,901/mo
Today · 4.125%
HK$112,398
baseline
▲ 0.50% · 4.625%
HK$118,323
+HK$5,925/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,796/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,534 · Scale 2, in force from 26 Feb 2026)