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$52,435
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,066
−HK$1,657/mo
Today · 4.125%
HK$55,723
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,446/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,587/mo
Today · 4.125%
HK$61,485
baseline
▲ 0.50% · 4.625%
HK$64,726
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,970/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,989/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$1,905/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,409
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,692
−HK$2,320/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,759
+HK$4,747/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,857
−HK$2,222/mo
Today · 4.125%
HK$86,079
baseline
▲ 0.50% · 4.625%
HK$90,616
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,158/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,383
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,319
−HK$2,982/mo
Today · 4.125%
HK$100,301
baseline
▲ 0.50% · 4.625%
HK$106,405
+HK$6,104/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,602/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,000
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,816
−HK$2,857/mo
Today · 4.125%
HK$110,673
baseline
▲ 0.50% · 4.625%
HK$116,506
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,346/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,295 · Scale 2, in force from 26 Feb 2026)