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$23,368
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$738/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,694
−HK$707/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$886/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,196
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$849/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$1,033/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,395
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$990/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,383
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,062
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,330/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,420
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,794
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,049
−HK$1,273/mo
Today · 4.125%
HK$49,322
baseline
▲ 0.50% · 4.625%
HK$51,922
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,644/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,296 · Scale 2, in force from 26 Feb 2026)