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$39,916
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,157
−HK$1,262/mo
Today · 4.125%
HK$42,419
baseline
▲ 0.50% · 4.625%
HK$45,000
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,838/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,406
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,597
−HK$1,208/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,272
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,514/mo
Today · 4.125%
HK$50,903
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,806/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,287
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,450/mo
Today · 4.125%
HK$56,166
baseline
▲ 0.50% · 4.625%
HK$59,127
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,332/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,620
−HK$1,767/mo
Today · 4.125%
HK$59,387
baseline
▲ 0.50% · 4.625%
HK$63,000
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,774/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,168
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,836
−HK$1,691/mo
Today · 4.125%
HK$65,527
baseline
▲ 0.50% · 4.625%
HK$68,981
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,054/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,849
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,083
−HK$2,271/mo
Today · 4.125%
HK$76,354
baseline
▲ 0.50% · 4.625%
HK$81,000
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,708/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,931
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,074
−HK$2,175/mo
Today · 4.125%
HK$84,249
baseline
▲ 0.50% · 4.625%
HK$88,690
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,498/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,437 · Scale 2, in force from 26 Feb 2026)