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$27,365
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$865/mo
Today · 4.125%
HK$29,081
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,162/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,260
−HK$828/mo
Today · 4.125%
HK$32,088
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,176/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$1,038/mo
Today · 4.125%
HK$34,897
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,794/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$994/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,311
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,503
−HK$1,210/mo
Today · 4.125%
HK$40,713
baseline
▲ 0.50% · 4.625%
HK$43,191
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,426/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,764
−HK$1,159/mo
Today · 4.125%
HK$44,923
baseline
▲ 0.50% · 4.625%
HK$47,291
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,846/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,257
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,789
−HK$1,557/mo
Today · 4.125%
HK$52,346
baseline
▲ 0.50% · 4.625%
HK$55,531
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,692/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,798
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,267
−HK$1,491/mo
Today · 4.125%
HK$57,758
baseline
▲ 0.50% · 4.625%
HK$60,803
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,516/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,030 · Scale 2, in force from 26 Feb 2026)