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$26,240
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,056
−HK$829/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$794/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,488
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,467
−HK$996/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$953/mo
Today · 4.125%
HK$36,923
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,846/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,161/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,112/mo
Today · 4.125%
HK$43,076
baseline
▲ 0.50% · 4.625%
HK$45,347
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,152/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,232
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,701
−HK$1,493/mo
Today · 4.125%
HK$50,194
baseline
▲ 0.50% · 4.625%
HK$53,248
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,388/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,545
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,954
−HK$1,430/mo
Today · 4.125%
HK$55,384
baseline
▲ 0.50% · 4.625%
HK$58,303
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,768/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,530 · Scale 2, in force from 26 Feb 2026)