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$23,341
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$738/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$707/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$885/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,577
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,160
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,996
−HK$848/mo
Today · 4.125%
HK$32,844
baseline
▲ 0.50% · 4.625%
HK$34,575
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,688/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$1,033/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$989/mo
Today · 4.125%
HK$38,318
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,636/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,014
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,321
−HK$1,328/mo
Today · 4.125%
HK$44,649
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,298/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,740
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,272/mo
Today · 4.125%
HK$49,266
baseline
▲ 0.50% · 4.625%
HK$51,863
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,532/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,860 · Scale 2, in force from 26 Feb 2026)