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$50,170
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,586/mo
Today · 4.125%
HK$53,317
baseline
▲ 0.50% · 4.625%
HK$56,561
+HK$3,244/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$106,634/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,814
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,311
−HK$1,519/mo
Today · 4.125%
HK$58,830
baseline
▲ 0.50% · 4.625%
HK$61,931
+HK$3,101/mo
Deposit HK$11.00M · loan HK$11.00M · min. income ≈ HK$117,660/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,205
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,903/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,873
+HK$3,893/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,977
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$1,822/mo
Today · 4.125%
HK$70,595
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.20M · min. income ≈ HK$141,190/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,239
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$2,220/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$79,185
+HK$4,542/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,140
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,126/mo
Today · 4.125%
HK$82,361
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,342/mo
Deposit HK$6.60M · loan HK$15.40M · min. income ≈ HK$164,722/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,307
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,116
−HK$2,854/mo
Today · 4.125%
HK$95,970
baseline
▲ 0.50% · 4.625%
HK$101,809
+HK$5,839/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$191,940/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,465
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,160
−HK$2,733/mo
Today · 4.125%
HK$105,893
baseline
▲ 0.50% · 4.625%
HK$111,475
+HK$5,582/mo
Deposit HK$2.20M · loan HK$19.80M · min. income ≈ HK$211,786/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,090 · Scale 2, in force from 26 Feb 2026)