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$34,213
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,081/mo
Today · 4.125%
HK$36,358
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,716/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,036/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,298/mo
Today · 4.125%
HK$43,630
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,260/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,243/mo
Today · 4.125%
HK$48,141
baseline
▲ 0.50% · 4.625%
HK$50,679
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,282/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,898
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,388
−HK$1,513/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,999
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,286
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,450/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,583
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,947/mo
Today · 4.125%
HK$65,445
baseline
▲ 0.50% · 4.625%
HK$69,427
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,890/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,348
−HK$1,864/mo
Today · 4.125%
HK$72,212
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,424/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,645 · Scale 2, in force from 26 Feb 2026)