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$23,170
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$732/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$26,121
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,776
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$701/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$879/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$842/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,438
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$1,025/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,055
−HK$982/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,706
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,318/mo
Today · 4.125%
HK$44,321
baseline
▲ 0.50% · 4.625%
HK$47,018
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,642/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,397
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,262/mo
Today · 4.125%
HK$48,904
baseline
▲ 0.50% · 4.625%
HK$51,482
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,808/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,043 · Scale 2, in force from 26 Feb 2026)