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$51,283
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,621/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,815
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,052
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,582
−HK$1,552/mo
Today · 4.125%
HK$60,134
baseline
▲ 0.50% · 4.625%
HK$63,304
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,268/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,945/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$69,378
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,463
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$1,862/mo
Today · 4.125%
HK$72,161
baseline
▲ 0.50% · 4.625%
HK$75,965
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,322/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,797
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,030
−HK$2,269/mo
Today · 4.125%
HK$76,299
baseline
▲ 0.50% · 4.625%
HK$80,941
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,598/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,873
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,173/mo
Today · 4.125%
HK$84,188
baseline
▲ 0.50% · 4.625%
HK$88,626
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,376/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,310
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,181
−HK$2,918/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$104,068
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,694
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,448
−HK$2,794/mo
Today · 4.125%
HK$108,242
baseline
▲ 0.50% · 4.625%
HK$113,948
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,484/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,831 · Scale 2, in force from 26 Feb 2026)