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$23,372
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$739/mo
Today · 4.125%
HK$24,838
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,676/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,699
−HK$707/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,445/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,047
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,919
−HK$887/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,039
−HK$849/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,621
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,739
−HK$1,034/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,889
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,546/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,402
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$990/mo
Today · 4.125%
HK$38,369
baseline
▲ 0.50% · 4.625%
HK$40,391
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,738/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,070
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,330/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,803
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,058
−HK$1,274/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$51,932
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,372 · Scale 2, in force from 26 Feb 2026)