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$23,274
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$736/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,892
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$704/mo
Today · 4.125%
HK$27,291
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,582/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$882/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$845/mo
Today · 4.125%
HK$32,749
baseline
▲ 0.50% · 4.625%
HK$34,475
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,498/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$1,030/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,249
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$986/mo
Today · 4.125%
HK$38,207
baseline
▲ 0.50% · 4.625%
HK$40,221
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,414/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,893
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,196
−HK$1,324/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$47,229
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,606
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,268/mo
Today · 4.125%
HK$49,124
baseline
▲ 0.50% · 4.625%
HK$51,713
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,248/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,754 · Scale 2, in force from 26 Feb 2026)