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$39,928
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,169
−HK$1,262/mo
Today · 4.125%
HK$42,431
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,862/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,419
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,610
−HK$1,209/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,515/mo
Today · 4.125%
HK$50,918
baseline
▲ 0.50% · 4.625%
HK$54,016
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,836/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,303
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,732
−HK$1,451/mo
Today · 4.125%
HK$56,183
baseline
▲ 0.50% · 4.625%
HK$59,144
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,366/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,899
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,637
−HK$1,767/mo
Today · 4.125%
HK$59,404
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,808/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,187
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,854
−HK$1,692/mo
Today · 4.125%
HK$65,546
baseline
▲ 0.50% · 4.625%
HK$69,001
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,092/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,870
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,105
−HK$2,271/mo
Today · 4.125%
HK$76,376
baseline
▲ 0.50% · 4.625%
HK$81,024
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,752/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,954
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,098
−HK$2,176/mo
Today · 4.125%
HK$84,274
baseline
▲ 0.50% · 4.625%
HK$88,716
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,548/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,629 · Scale 2, in force from 26 Feb 2026)