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$53,296
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,954
−HK$1,684/mo
Today · 4.125%
HK$56,638
baseline
▲ 0.50% · 4.625%
HK$60,085
+HK$3,447/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,276/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,291
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,882
−HK$1,613/mo
Today · 4.125%
HK$62,495
baseline
▲ 0.50% · 4.625%
HK$65,789
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,990/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,955
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,945
−HK$2,021/mo
Today · 4.125%
HK$67,966
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,932/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,058
−HK$1,936/mo
Today · 4.125%
HK$74,994
baseline
▲ 0.50% · 4.625%
HK$78,947
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,988/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,358/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,008
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,234
−HK$2,259/mo
Today · 4.125%
HK$87,493
baseline
▲ 0.50% · 4.625%
HK$92,105
+HK$4,612/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,986/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,933
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,917
−HK$3,032/mo
Today · 4.125%
HK$101,949
baseline
▲ 0.50% · 4.625%
HK$108,152
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,898/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,725
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,587
−HK$2,904/mo
Today · 4.125%
HK$112,491
baseline
▲ 0.50% · 4.625%
HK$118,420
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$224,982/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,348 · Scale 2, in force from 26 Feb 2026)