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$25,091
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$793/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,286
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,913
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$759/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,109
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,045
−HK$952/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,994/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$911/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,166
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,127
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,219
−HK$1,111/mo
Today · 4.125%
HK$37,330
baseline
▲ 0.50% · 4.625%
HK$39,601
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,660/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,078
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,126
−HK$1,064/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,361
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,163
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,427/mo
Today · 4.125%
HK$47,995
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,990/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,243
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,367/mo
Today · 4.125%
HK$52,958
baseline
▲ 0.50% · 4.625%
HK$55,749
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,916/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,628 · Scale 2, in force from 26 Feb 2026)