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$38,006
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,189
−HK$1,201/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,282
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,150/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$46,915
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,608
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,026
−HK$1,442/mo
Today · 4.125%
HK$48,468
baseline
▲ 0.50% · 4.625%
HK$51,417
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,936/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,738
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,380/mo
Today · 4.125%
HK$53,479
baseline
▲ 0.50% · 4.625%
HK$56,298
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,958/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,209
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,864
−HK$1,682/mo
Today · 4.125%
HK$56,546
baseline
▲ 0.50% · 4.625%
HK$59,986
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,092/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,195
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,782
−HK$1,611/mo
Today · 4.125%
HK$62,393
baseline
▲ 0.50% · 4.625%
HK$65,681
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,786/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,412
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,540
−HK$2,162/mo
Today · 4.125%
HK$72,702
baseline
▲ 0.50% · 4.625%
HK$77,125
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,404/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,107
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,148
−HK$2,071/mo
Today · 4.125%
HK$80,219
baseline
▲ 0.50% · 4.625%
HK$84,448
+HK$4,229/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,438/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,037 · Scale 2, in force from 26 Feb 2026)