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$51,281
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,876
−HK$1,621/mo
Today · 4.125%
HK$54,497
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$3,316/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,994/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,049
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,579
−HK$1,553/mo
Today · 4.125%
HK$60,132
baseline
▲ 0.50% · 4.625%
HK$63,301
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,264/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,537
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,945/mo
Today · 4.125%
HK$65,396
baseline
▲ 0.50% · 4.625%
HK$69,375
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,792/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,459
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,295
−HK$1,863/mo
Today · 4.125%
HK$72,158
baseline
▲ 0.50% · 4.625%
HK$75,961
+HK$3,803/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,316/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,793
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,026
−HK$2,269/mo
Today · 4.125%
HK$76,295
baseline
▲ 0.50% · 4.625%
HK$80,938
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,590/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,869
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,011
−HK$2,173/mo
Today · 4.125%
HK$84,184
baseline
▲ 0.50% · 4.625%
HK$88,622
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,368/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,306
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,177
−HK$2,917/mo
Today · 4.125%
HK$98,094
baseline
▲ 0.50% · 4.625%
HK$104,063
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,188/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,689
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,443
−HK$2,794/mo
Today · 4.125%
HK$108,237
baseline
▲ 0.50% · 4.625%
HK$113,942
+HK$5,705/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,474/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,786 · Scale 2, in force from 26 Feb 2026)