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$23,442
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$741/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$709/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$889/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$852/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,725
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$1,037/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,511
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,490
−HK$993/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,512
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,334/mo
Today · 4.125%
HK$44,842
baseline
▲ 0.50% · 4.625%
HK$47,570
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,684/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,943
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,278/mo
Today · 4.125%
HK$49,479
baseline
▲ 0.50% · 4.625%
HK$52,087
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,958/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,519 · Scale 2, in force from 26 Feb 2026)