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$25,061
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,841
−HK$792/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,620/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,880
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,628
−HK$759/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$30,936
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$950/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$910/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$1,109/mo
Today · 4.125%
HK$37,286
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,572/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,079
−HK$1,062/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,110
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,513
−HK$1,426/mo
Today · 4.125%
HK$47,939
baseline
▲ 0.50% · 4.625%
HK$50,856
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,878/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,184
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,530
−HK$1,366/mo
Today · 4.125%
HK$52,896
baseline
▲ 0.50% · 4.625%
HK$55,684
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,792/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,144 · Scale 2, in force from 26 Feb 2026)