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$23,507
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$743/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$712/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,085
−HK$892/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$853/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,909
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,933
−HK$1,040/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$37,101
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$996/mo
Today · 4.125%
HK$38,589
baseline
▲ 0.50% · 4.625%
HK$40,623
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,178/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,312
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,628
−HK$1,337/mo
Today · 4.125%
HK$44,965
baseline
▲ 0.50% · 4.625%
HK$47,701
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,930/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,072
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,334
−HK$1,281/mo
Today · 4.125%
HK$49,615
baseline
▲ 0.50% · 4.625%
HK$52,230
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,230/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,578 · Scale 2, in force from 26 Feb 2026)