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$23,392
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$739/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,371
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,721
−HK$708/mo
Today · 4.125%
HK$27,429
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,858/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$887/mo
Today · 4.125%
HK$29,830
baseline
▲ 0.50% · 4.625%
HK$31,645
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,660/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,228
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$850/mo
Today · 4.125%
HK$32,915
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,830/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$1,035/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,919
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$991/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,330/mo
Today · 4.125%
HK$44,745
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,490/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,841
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,274/mo
Today · 4.125%
HK$49,372
baseline
▲ 0.50% · 4.625%
HK$51,974
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,744/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,688 · Scale 2, in force from 26 Feb 2026)