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$23,499
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$742/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,843
−HK$711/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$891/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$853/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,898
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$1,040/mo
Today · 4.125%
HK$34,961
baseline
▲ 0.50% · 4.625%
HK$37,088
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,922/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,599
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,580
−HK$996/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,610
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,298
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,613
−HK$1,337/mo
Today · 4.125%
HK$44,950
baseline
▲ 0.50% · 4.625%
HK$47,685
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,900/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,318
−HK$1,280/mo
Today · 4.125%
HK$49,598
baseline
▲ 0.50% · 4.625%
HK$52,212
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,196/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,448 · Scale 2, in force from 26 Feb 2026)