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$28,506
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,393
−HK$901/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,713
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,563
−HK$863/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,188
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,207
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,271
−HK$1,081/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,035/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,225
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,908
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,261/mo
Today · 4.125%
HK$42,411
baseline
▲ 0.50% · 4.625%
HK$44,992
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,822/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,398
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,208/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,263
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,311
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,907
−HK$1,621/mo
Today · 4.125%
HK$54,528
baseline
▲ 0.50% · 4.625%
HK$57,846
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,056/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,083
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,553/mo
Today · 4.125%
HK$60,167
baseline
▲ 0.50% · 4.625%
HK$63,338
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,334/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,796 · Scale 2, in force from 26 Feb 2026)