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$27,379
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$866/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$829/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,854
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$1,039/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$994/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,330
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,212/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$43,212
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,642
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,160/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,315
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,557/mo
Today · 4.125%
HK$52,372
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,744/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,825
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,491/mo
Today · 4.125%
HK$57,787
baseline
▲ 0.50% · 4.625%
HK$60,833
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,574/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,258 · Scale 2, in force from 26 Feb 2026)