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$23,075
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$729/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$699/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$876/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$31,217
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,805
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$838/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,181
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,305
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$1,021/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,939
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$978/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$39,878
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,827
−HK$1,313/mo
Today · 4.125%
HK$44,140
baseline
▲ 0.50% · 4.625%
HK$46,826
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,280/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,207
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,447
−HK$1,257/mo
Today · 4.125%
HK$48,704
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,408/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,482 · Scale 2, in force from 26 Feb 2026)