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$39,897
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,138
−HK$1,261/mo
Today · 4.125%
HK$42,399
baseline
▲ 0.50% · 4.625%
HK$44,979
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,798/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,385
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,208/mo
Today · 4.125%
HK$46,783
baseline
▲ 0.50% · 4.625%
HK$49,249
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,566/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,877
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,366
−HK$1,513/mo
Today · 4.125%
HK$50,879
baseline
▲ 0.50% · 4.625%
HK$53,975
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,758/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,262
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,691
−HK$1,449/mo
Today · 4.125%
HK$56,140
baseline
▲ 0.50% · 4.625%
HK$59,099
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,280/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,856
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,766/mo
Today · 4.125%
HK$59,359
baseline
▲ 0.50% · 4.625%
HK$62,970
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,718/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,139
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,690/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,815
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,049
−HK$2,269/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,962
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,893
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,036
−HK$2,174/mo
Today · 4.125%
HK$84,210
baseline
▲ 0.50% · 4.625%
HK$88,648
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,420/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,129 · Scale 2, in force from 26 Feb 2026)