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$23,258
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,981
−HK$735/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,220
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,874
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$704/mo
Today · 4.125%
HK$27,272
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,544/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$882/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,048
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$845/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$1,029/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$985/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,323/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,267/mo
Today · 4.125%
HK$49,089
baseline
▲ 0.50% · 4.625%
HK$51,676
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,178/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,482 · Scale 2, in force from 26 Feb 2026)