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$51,322
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,919
−HK$1,622/mo
Today · 4.125%
HK$54,541
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,082/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,096
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,627
−HK$1,553/mo
Today · 4.125%
HK$60,180
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,360/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,587
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,502
−HK$1,947/mo
Today · 4.125%
HK$65,449
baseline
▲ 0.50% · 4.625%
HK$69,431
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,898/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,515
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$1,864/mo
Today · 4.125%
HK$72,216
baseline
▲ 0.50% · 4.625%
HK$76,023
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,432/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,851
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,086
−HK$2,271/mo
Today · 4.125%
HK$76,357
baseline
▲ 0.50% · 4.625%
HK$81,003
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,714/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,934
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,078
−HK$2,174/mo
Today · 4.125%
HK$84,252
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,504/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,380
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,254
−HK$2,919/mo
Today · 4.125%
HK$98,173
baseline
▲ 0.50% · 4.625%
HK$104,147
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,346/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,772
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,528
−HK$2,796/mo
Today · 4.125%
HK$108,324
baseline
▲ 0.50% · 4.625%
HK$114,034
+HK$5,710/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,648/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,559 · Scale 2, in force from 26 Feb 2026)