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$23,320
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$706/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$885/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,132
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$847/mo
Today · 4.125%
HK$32,814
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,628/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,648
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$1,032/mo
Today · 4.125%
HK$34,695
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,390/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$988/mo
Today · 4.125%
HK$38,283
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,566/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,976
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,326/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,271/mo
Today · 4.125%
HK$49,221
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,442/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,509 · Scale 2, in force from 26 Feb 2026)