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$29,658
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,580
−HK$938/mo
Today · 4.125%
HK$31,518
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,036/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,879
−HK$898/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,610
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$1,125/mo
Today · 4.125%
HK$37,821
baseline
▲ 0.50% · 4.625%
HK$40,123
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,642/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,593
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,655
−HK$1,077/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$43,932
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,521
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,813
−HK$1,312/mo
Today · 4.125%
HK$44,125
baseline
▲ 0.50% · 4.625%
HK$46,810
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,250/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,192
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,431
−HK$1,256/mo
Today · 4.125%
HK$48,687
baseline
▲ 0.50% · 4.625%
HK$51,254
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,374/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,384
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,045
−HK$1,687/mo
Today · 4.125%
HK$56,732
baseline
▲ 0.50% · 4.625%
HK$60,184
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,464/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,389
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,616/mo
Today · 4.125%
HK$62,598
baseline
▲ 0.50% · 4.625%
HK$65,898
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,196/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,739 · Scale 2, in force from 26 Feb 2026)