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$26,216
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$828/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$793/mo
Today · 4.125%
HK$30,741
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,482/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$994/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,937
−HK$952/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,160/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,378
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,927
−HK$1,110/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,189
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,657
−HK$1,491/mo
Today · 4.125%
HK$50,148
baseline
▲ 0.50% · 4.625%
HK$53,200
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,296/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,498
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,906
−HK$1,428/mo
Today · 4.125%
HK$55,334
baseline
▲ 0.50% · 4.625%
HK$58,251
+HK$2,917/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,668/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,141 · Scale 2, in force from 26 Feb 2026)