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$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$1,081/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,036/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,261/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$45,004
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,410
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,208/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,921
−HK$1,622/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,862
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,098
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,629
−HK$1,554/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,922 · Scale 2, in force from 26 Feb 2026)