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$23,465
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$742/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$710/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$890/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$852/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$1,038/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,526
−HK$994/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,335/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,279/mo
Today · 4.125%
HK$49,526
baseline
▲ 0.50% · 4.625%
HK$52,136
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,052/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,887 · Scale 2, in force from 26 Feb 2026)