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$25,074
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$792/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$759/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$911/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,104
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$1,109/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,062/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,427/mo
Today · 4.125%
HK$47,964
baseline
▲ 0.50% · 4.625%
HK$50,882
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,928/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,210
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,557
−HK$1,366/mo
Today · 4.125%
HK$52,923
baseline
▲ 0.50% · 4.625%
HK$55,713
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,846/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,356 · Scale 2, in force from 26 Feb 2026)