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$51,268
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,863
−HK$1,620/mo
Today · 4.125%
HK$54,483
baseline
▲ 0.50% · 4.625%
HK$57,798
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,966/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,565
−HK$1,552/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,286
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,435
−HK$1,945/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,442
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,278
−HK$1,862/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$75,943
+HK$3,803/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,775
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,008
−HK$2,268/mo
Today · 4.125%
HK$76,276
baseline
▲ 0.50% · 4.625%
HK$80,918
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,552/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,849
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,991
−HK$2,172/mo
Today · 4.125%
HK$84,163
baseline
▲ 0.50% · 4.625%
HK$88,600
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,326/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,283
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,153
−HK$2,917/mo
Today · 4.125%
HK$98,070
baseline
▲ 0.50% · 4.625%
HK$104,037
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,140/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,663
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,417
−HK$2,793/mo
Today · 4.125%
HK$108,210
baseline
▲ 0.50% · 4.625%
HK$113,914
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,420/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,548 · Scale 2, in force from 26 Feb 2026)