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$28,489
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$901/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,694
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,544
−HK$862/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$1,080/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,033
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,053
−HK$1,035/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,201
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,126
−HK$1,260/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,965
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,372
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,562
−HK$1,207/mo
Today · 4.125%
HK$46,769
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,538/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,281
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,876
−HK$1,620/mo
Today · 4.125%
HK$54,496
baseline
▲ 0.50% · 4.625%
HK$57,812
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,992/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,049
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,579
−HK$1,553/mo
Today · 4.125%
HK$60,132
baseline
▲ 0.50% · 4.625%
HK$63,301
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,264/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,522 · Scale 2, in force from 26 Feb 2026)