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$23,416
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$709/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$888/mo
Today · 4.125%
HK$29,862
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,724/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$850/mo
Today · 4.125%
HK$32,949
baseline
▲ 0.50% · 4.625%
HK$34,686
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,898/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$1,036/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$992/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,460
−HK$1,333/mo
Today · 4.125%
HK$44,793
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,586/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,891
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,276/mo
Today · 4.125%
HK$49,424
baseline
▲ 0.50% · 4.625%
HK$52,029
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,848/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,094 · Scale 2, in force from 26 Feb 2026)