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$52,463
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,658/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$59,145
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,365
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,930
−HK$1,588/mo
Today · 4.125%
HK$61,518
baseline
▲ 0.50% · 4.625%
HK$64,761
+HK$3,243/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,036/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,956
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,914
−HK$1,990/mo
Today · 4.125%
HK$66,904
baseline
▲ 0.50% · 4.625%
HK$70,975
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,808/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,038
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,916
−HK$1,906/mo
Today · 4.125%
HK$73,822
baseline
▲ 0.50% · 4.625%
HK$77,713
+HK$3,891/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,644/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,448
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,733
−HK$2,321/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,804
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,711
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,902
−HK$2,223/mo
Today · 4.125%
HK$86,125
baseline
▲ 0.50% · 4.625%
HK$90,665
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,250/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,434
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,371
−HK$2,984/mo
Today · 4.125%
HK$100,355
baseline
▲ 0.50% · 4.625%
HK$106,462
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,710/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,056
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,874
−HK$2,858/mo
Today · 4.125%
HK$110,732
baseline
▲ 0.50% · 4.625%
HK$116,569
+HK$5,837/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,464/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,822 · Scale 2, in force from 26 Feb 2026)