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$23,254
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$735/mo
Today · 4.125%
HK$24,712
baseline
▲ 0.50% · 4.625%
HK$26,215
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,424/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$704/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,704
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,904
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$882/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,458
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,043
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$844/mo
Today · 4.125%
HK$32,720
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,440/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,028/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$986/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,158
−HK$1,323/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,267/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,417 · Scale 2, in force from 26 Feb 2026)