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$28,532
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$902/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,592
−HK$864/mo
Today · 4.125%
HK$33,456
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,912/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$1,082/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,036/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,944
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,187
−HK$1,262/mo
Today · 4.125%
HK$42,449
baseline
▲ 0.50% · 4.625%
HK$45,032
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,898/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,629
−HK$1,209/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,307
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,357
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,954
−HK$1,623/mo
Today · 4.125%
HK$54,577
baseline
▲ 0.50% · 4.625%
HK$57,898
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,154/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,134
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,666
−HK$1,555/mo
Today · 4.125%
HK$60,221
baseline
▲ 0.50% · 4.625%
HK$63,395
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,442/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,216 · Scale 2, in force from 26 Feb 2026)