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$23,478
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$742/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$711/mo
Today · 4.125%
HK$27,530
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,060/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$890/mo
Today · 4.125%
HK$29,940
baseline
▲ 0.50% · 4.625%
HK$31,762
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,880/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,343
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,183
−HK$853/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$34,777
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$1,039/mo
Today · 4.125%
HK$34,930
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,860/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,566
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$995/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,260
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,575
−HK$1,335/mo
Today · 4.125%
HK$44,910
baseline
▲ 0.50% · 4.625%
HK$47,643
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,820/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,014
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,275
−HK$1,279/mo
Today · 4.125%
HK$49,554
baseline
▲ 0.50% · 4.625%
HK$52,166
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,108/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,107 · Scale 2, in force from 26 Feb 2026)