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$23,159
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$732/mo
Today · 4.125%
HK$24,612
baseline
▲ 0.50% · 4.625%
HK$26,109
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,224/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$701/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$878/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,331
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$841/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,305
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,024/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$981/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,023
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,983
−HK$1,318/mo
Today · 4.125%
HK$44,301
baseline
▲ 0.50% · 4.625%
HK$46,996
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,602/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,620
−HK$1,262/mo
Today · 4.125%
HK$48,882
baseline
▲ 0.50% · 4.625%
HK$51,458
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,764/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,867 · Scale 2, in force from 26 Feb 2026)