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$23,500
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$743/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$711/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$891/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,372
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$853/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$34,810
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,923
−HK$1,040/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$995/mo
Today · 4.125%
HK$38,578
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,156/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,300
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,337/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,688
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,281/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,215
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,470 · Scale 2, in force from 26 Feb 2026)