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$23,517
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$743/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$712/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$891/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$854/mo
Today · 4.125%
HK$33,091
baseline
▲ 0.50% · 4.625%
HK$34,836
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,182/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$1,041/mo
Today · 4.125%
HK$34,989
baseline
▲ 0.50% · 4.625%
HK$37,118
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,978/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,628
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,610
−HK$997/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,642
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,331
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,338/mo
Today · 4.125%
HK$44,986
baseline
▲ 0.50% · 4.625%
HK$47,723
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,972/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,093
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,281/mo
Today · 4.125%
HK$49,637
baseline
▲ 0.50% · 4.625%
HK$52,254
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,274/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,754 · Scale 2, in force from 26 Feb 2026)