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$23,239
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$735/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,502/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$703/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$882/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$844/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$1,028/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,195
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$985/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,322/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$47,159
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,536
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,784
−HK$1,266/mo
Today · 4.125%
HK$49,050
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,100/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,181 · Scale 2, in force from 26 Feb 2026)