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$26,208
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$828/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$793/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,428
−HK$994/mo
Today · 4.125%
HK$33,422
baseline
▲ 0.50% · 4.625%
HK$35,455
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,844/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$952/mo
Today · 4.125%
HK$36,878
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,756/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,691
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,832
−HK$1,160/mo
Today · 4.125%
HK$38,992
baseline
▲ 0.50% · 4.625%
HK$41,365
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,984/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,818
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,913
−HK$1,111/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,292
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,174
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,642
−HK$1,491/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$53,183
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,481
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,888
−HK$1,428/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,232
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,003 · Scale 2, in force from 26 Feb 2026)