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$23,326
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$737/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,509/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$707/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$885/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,557
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$847/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,553
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,673
−HK$1,032/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,331
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,305
−HK$989/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,312
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,988
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,294
−HK$1,327/mo
Today · 4.125%
HK$44,621
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,242/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,711
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,964
−HK$1,271/mo
Today · 4.125%
HK$49,235
baseline
▲ 0.50% · 4.625%
HK$51,830
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,470/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,617 · Scale 2, in force from 26 Feb 2026)