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$29,635
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$936/mo
Today · 4.125%
HK$31,493
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,986/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$897/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$1,124/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,077/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,489
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,311/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,256/mo
Today · 4.125%
HK$48,650
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,300/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,343
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,002
−HK$1,686/mo
Today · 4.125%
HK$56,688
baseline
▲ 0.50% · 4.625%
HK$60,137
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,376/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,344
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,615/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$65,847
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,363 · Scale 2, in force from 26 Feb 2026)