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$23,388
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$739/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,717
−HK$708/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$887/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$849/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$1,035/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,914
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$991/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,099
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,330/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,461
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,274/mo
Today · 4.125%
HK$49,365
baseline
▲ 0.50% · 4.625%
HK$51,967
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,730/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,635 · Scale 2, in force from 26 Feb 2026)