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$51,293
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,888
−HK$1,621/mo
Today · 4.125%
HK$54,509
baseline
▲ 0.50% · 4.625%
HK$57,826
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,018/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,062
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,552/mo
Today · 4.125%
HK$60,145
baseline
▲ 0.50% · 4.625%
HK$63,316
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,290/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,551
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,945/mo
Today · 4.125%
HK$65,411
baseline
▲ 0.50% · 4.625%
HK$69,391
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,822/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,475
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,311
−HK$1,863/mo
Today · 4.125%
HK$72,174
baseline
▲ 0.50% · 4.625%
HK$75,979
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,348/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,810
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,043
−HK$2,270/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,956
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,887
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,030
−HK$2,173/mo
Today · 4.125%
HK$84,203
baseline
▲ 0.50% · 4.625%
HK$88,642
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,406/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,327
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,198
−HK$2,918/mo
Today · 4.125%
HK$98,116
baseline
▲ 0.50% · 4.625%
HK$104,086
+HK$5,970/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,232/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,712
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,467
−HK$2,795/mo
Today · 4.125%
HK$108,262
baseline
▲ 0.50% · 4.625%
HK$113,968
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,524/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,003 · Scale 2, in force from 26 Feb 2026)