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$39,904
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,145
−HK$1,262/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,987
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,393
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,584
−HK$1,207/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,258
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,885
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,375
−HK$1,513/mo
Today · 4.125%
HK$50,888
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,776/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,700
−HK$1,450/mo
Today · 4.125%
HK$56,150
baseline
▲ 0.50% · 4.625%
HK$59,109
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,300/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,866
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,604
−HK$1,765/mo
Today · 4.125%
HK$59,369
baseline
▲ 0.50% · 4.625%
HK$62,982
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,738/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,150
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,817
−HK$1,691/mo
Today · 4.125%
HK$65,508
baseline
▲ 0.50% · 4.625%
HK$68,961
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,016/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,828
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,062
−HK$2,270/mo
Today · 4.125%
HK$76,332
baseline
▲ 0.50% · 4.625%
HK$80,976
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,664/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,907
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,051
−HK$2,174/mo
Today · 4.125%
HK$84,225
baseline
▲ 0.50% · 4.625%
HK$88,664
+HK$4,439/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,450/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,246 · Scale 2, in force from 26 Feb 2026)