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$23,489
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,220
−HK$742/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,481
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$711/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$890/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,358
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$853/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$1,039/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$37,073
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,584
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$995/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,593
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,280
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,595
−HK$1,337/mo
Today · 4.125%
HK$44,932
baseline
▲ 0.50% · 4.625%
HK$47,666
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,864/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,036
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,280/mo
Today · 4.125%
HK$49,578
baseline
▲ 0.50% · 4.625%
HK$52,191
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,156/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,290 · Scale 2, in force from 26 Feb 2026)