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$27,350
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$864/mo
Today · 4.125%
HK$29,065
baseline
▲ 0.50% · 4.625%
HK$30,834
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,130/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$828/mo
Today · 4.125%
HK$32,071
baseline
▲ 0.50% · 4.625%
HK$33,761
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,142/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,820
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,841
−HK$1,037/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,512
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$994/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,513
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,290
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,481
−HK$1,210/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$43,167
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,159/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,266
+HK$2,367/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,798/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,230
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,762
−HK$1,555/mo
Today · 4.125%
HK$52,317
baseline
▲ 0.50% · 4.625%
HK$55,501
+HK$3,184/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,634/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,768
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,237
−HK$1,490/mo
Today · 4.125%
HK$57,727
baseline
▲ 0.50% · 4.625%
HK$60,770
+HK$3,043/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,454/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,788 · Scale 2, in force from 26 Feb 2026)