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$23,346
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$737/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$707/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$885/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,584
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$848/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$1,032/mo
Today · 4.125%
HK$34,734
baseline
▲ 0.50% · 4.625%
HK$36,848
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,468/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$989/mo
Today · 4.125%
HK$38,326
baseline
▲ 0.50% · 4.625%
HK$40,346
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,652/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,331
−HK$1,328/mo
Today · 4.125%
HK$44,659
baseline
▲ 0.50% · 4.625%
HK$47,376
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,318/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,751
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,272/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$51,874
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,943 · Scale 2, in force from 26 Feb 2026)