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$23,310
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$737/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$705/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$884/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$847/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,634
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,649
−HK$1,031/mo
Today · 4.125%
HK$34,680
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,360/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,305
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,279
−HK$987/mo
Today · 4.125%
HK$38,266
baseline
▲ 0.50% · 4.625%
HK$40,283
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,532/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,958
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,326/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$47,302
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,678
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,930
−HK$1,270/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$51,793
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,344 · Scale 2, in force from 26 Feb 2026)