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$23,246
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$735/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$703/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$882/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$844/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$1,028/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$986/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,322/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,550
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,798
−HK$1,267/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$51,651
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,295 · Scale 2, in force from 26 Feb 2026)