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$23,392
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,120
−HK$739/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,024
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$708/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$887/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,228
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$850/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$1,035/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$991/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,426
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,106
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,330/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,469
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,274/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,698 · Scale 2, in force from 26 Feb 2026)