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$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$708/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,031
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$885/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,601
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,020
−HK$849/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$1,033/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$990/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,046
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,329/mo
Today · 4.125%
HK$44,683
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,366/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,273/mo
Today · 4.125%
HK$49,303
baseline
▲ 0.50% · 4.625%
HK$51,902
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,606/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,150 · Scale 2, in force from 26 Feb 2026)