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$37,997
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,179
−HK$1,200/mo
Today · 4.125%
HK$40,379
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,758/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,271
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,150/mo
Today · 4.125%
HK$44,555
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,110/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,596
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,014
−HK$1,441/mo
Today · 4.125%
HK$48,455
baseline
▲ 0.50% · 4.625%
HK$51,404
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,910/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,725
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,086
−HK$1,380/mo
Today · 4.125%
HK$53,466
baseline
▲ 0.50% · 4.625%
HK$56,284
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,932/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,195
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,850
−HK$1,681/mo
Today · 4.125%
HK$56,531
baseline
▲ 0.50% · 4.625%
HK$59,971
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,062/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,179
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,767
−HK$1,610/mo
Today · 4.125%
HK$62,377
baseline
▲ 0.50% · 4.625%
HK$65,665
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,754/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,394
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,522
−HK$2,161/mo
Today · 4.125%
HK$72,683
baseline
▲ 0.50% · 4.625%
HK$77,106
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,366/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,088
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,128
−HK$2,071/mo
Today · 4.125%
HK$80,199
baseline
▲ 0.50% · 4.625%
HK$84,426
+HK$4,227/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,398/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,877 · Scale 2, in force from 26 Feb 2026)