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$26,215
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$828/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$794/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$994/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$952/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$38,832
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,160/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,376
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,830
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,111/mo
Today · 4.125%
HK$43,036
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,072/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,655
−HK$1,491/mo
Today · 4.125%
HK$50,146
baseline
▲ 0.50% · 4.625%
HK$53,198
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,292/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,495
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,429/mo
Today · 4.125%
HK$55,332
baseline
▲ 0.50% · 4.625%
HK$58,248
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,664/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,122 · Scale 2, in force from 26 Feb 2026)