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$23,360
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$738/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$707/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$886/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$849/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,704
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$1,033/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$990/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,049
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,328/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,779
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,033
−HK$1,273/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$51,905
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,173 · Scale 2, in force from 26 Feb 2026)