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$29,636
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$936/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$1,124/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,563
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,624
−HK$1,077/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,781
−HK$1,311/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,775
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,157
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,256/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,344
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,685/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$60,139
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,345
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,614/mo
Today · 4.125%
HK$62,551
baseline
▲ 0.50% · 4.625%
HK$65,848
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,102/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,375 · Scale 2, in force from 26 Feb 2026)