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$38,010
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,201/mo
Today · 4.125%
HK$40,394
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,788/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,151/mo
Today · 4.125%
HK$44,571
baseline
▲ 0.50% · 4.625%
HK$46,920
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,142/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,612
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,442/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,422
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,743
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,381/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,215
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,682/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,201
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,788
−HK$1,611/mo
Today · 4.125%
HK$62,399
baseline
▲ 0.50% · 4.625%
HK$65,688
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,798/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,419
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,547
−HK$2,162/mo
Today · 4.125%
HK$72,709
baseline
▲ 0.50% · 4.625%
HK$77,133
+HK$4,424/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,418/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,115
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,156
−HK$2,071/mo
Today · 4.125%
HK$80,227
baseline
▲ 0.50% · 4.625%
HK$84,456
+HK$4,229/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,454/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,101 · Scale 2, in force from 26 Feb 2026)