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$23,413
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$709/mo
Today · 4.125%
HK$27,454
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,908/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$888/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$851/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$1,036/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$992/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,454
−HK$1,332/mo
Today · 4.125%
HK$44,786
baseline
▲ 0.50% · 4.625%
HK$47,511
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,572/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,884
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,141
−HK$1,276/mo
Today · 4.125%
HK$49,417
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,834/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,038 · Scale 2, in force from 26 Feb 2026)