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$23,422
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$741/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,514/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$709/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$889/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$1,037/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$993/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,159
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,332/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,902
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,276/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,041
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,184 · Scale 2, in force from 26 Feb 2026)