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$52,467
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,658/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$59,149
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,368
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,934
−HK$1,588/mo
Today · 4.125%
HK$61,522
baseline
▲ 0.50% · 4.625%
HK$64,765
+HK$3,243/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,044/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,960
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,918
−HK$1,990/mo
Today · 4.125%
HK$66,908
baseline
▲ 0.50% · 4.625%
HK$70,979
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,816/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,921
−HK$1,905/mo
Today · 4.125%
HK$73,826
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,652/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,453
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,738
−HK$2,321/mo
Today · 4.125%
HK$78,059
baseline
▲ 0.50% · 4.625%
HK$82,809
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,118/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,716
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,907
−HK$2,224/mo
Today · 4.125%
HK$86,131
baseline
▲ 0.50% · 4.625%
HK$90,671
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,262/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,440
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,377
−HK$2,985/mo
Today · 4.125%
HK$100,362
baseline
▲ 0.50% · 4.625%
HK$106,469
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,724/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,063
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,881
−HK$2,858/mo
Today · 4.125%
HK$110,739
baseline
▲ 0.50% · 4.625%
HK$116,577
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,478/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,885 · Scale 2, in force from 26 Feb 2026)