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$27,361
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$865/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$828/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,038/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$994/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,305
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,210/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,160/mo
Today · 4.125%
HK$44,917
baseline
▲ 0.50% · 4.625%
HK$47,284
+HK$2,367/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,834/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,250
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,556/mo
Today · 4.125%
HK$52,338
baseline
▲ 0.50% · 4.625%
HK$55,523
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,676/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,790
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,259
−HK$1,491/mo
Today · 4.125%
HK$57,750
baseline
▲ 0.50% · 4.625%
HK$60,794
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,500/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,965 · Scale 2, in force from 26 Feb 2026)