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$23,211
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$733/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$703/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$881/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$843/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,495
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$1,027/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,634
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,120
−HK$984/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,079
−HK$1,320/mo
Today · 4.125%
HK$44,399
baseline
▲ 0.50% · 4.625%
HK$47,101
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,798/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,479
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,726
−HK$1,264/mo
Today · 4.125%
HK$48,990
baseline
▲ 0.50% · 4.625%
HK$51,573
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,980/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,715 · Scale 2, in force from 26 Feb 2026)