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$30,806
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,764
−HK$973/mo
Today · 4.125%
HK$32,737
baseline
▲ 0.50% · 4.625%
HK$34,729
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,474/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,271
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$932/mo
Today · 4.125%
HK$36,122
baseline
▲ 0.50% · 4.625%
HK$38,026
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,244/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,117
−HK$1,168/mo
Today · 4.125%
HK$39,285
baseline
▲ 0.50% · 4.625%
HK$41,675
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,570/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,125
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,228
−HK$1,119/mo
Today · 4.125%
HK$43,347
baseline
▲ 0.50% · 4.625%
HK$45,632
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,694/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,128
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,363/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,979
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,305/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,752/mo
Today · 4.125%
HK$58,927
baseline
▲ 0.50% · 4.625%
HK$62,513
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,854/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,688
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,678/mo
Today · 4.125%
HK$65,020
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,040/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,614 · Scale 2, in force from 26 Feb 2026)