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$53,605
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,694/mo
Today · 4.125%
HK$56,967
baseline
▲ 0.50% · 4.625%
HK$60,433
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,934/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,635
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,235
−HK$1,622/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,171
+HK$3,314/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,326
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,327
−HK$2,033/mo
Today · 4.125%
HK$68,360
baseline
▲ 0.50% · 4.625%
HK$72,520
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,720/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,562
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,482
−HK$1,947/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$79,405
+HK$3,976/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,047
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,382
−HK$2,372/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$84,606
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,489
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,729
−HK$2,271/mo
Today · 4.125%
HK$88,000
baseline
▲ 0.50% · 4.625%
HK$92,639
+HK$4,639/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,000/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,490
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,491
−HK$3,049/mo
Today · 4.125%
HK$102,540
baseline
▲ 0.50% · 4.625%
HK$108,780
+HK$6,240/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,080/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,344
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,223
−HK$2,920/mo
Today · 4.125%
HK$113,143
baseline
▲ 0.50% · 4.625%
HK$119,107
+HK$5,964/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,286/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,109 · Scale 2, in force from 26 Feb 2026)