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$23,443
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$740/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,080
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$710/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$28,939
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$889/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,297
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$851/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,821
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$1,037/mo
Today · 4.125%
HK$34,879
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,758/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,513
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$993/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,198
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,511
−HK$1,333/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,277/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,089
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,538 · Scale 2, in force from 26 Feb 2026)