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$29,645
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,567
−HK$937/mo
Today · 4.125%
HK$31,504
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,008/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,980
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$897/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,594
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$1,125/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,077/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,503
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,794
−HK$1,312/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,789
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,172
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,410
−HK$1,256/mo
Today · 4.125%
HK$48,666
baseline
▲ 0.50% · 4.625%
HK$51,231
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,332/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,021
−HK$1,686/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$60,158
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,363
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,615/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,298/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,527 · Scale 2, in force from 26 Feb 2026)