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$23,021
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$727/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,610
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$697/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,625
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$873/mo
Today · 4.125%
HK$29,357
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,714/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,732
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,556
−HK$837/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$1,019/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$975/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,437
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,726
−HK$1,310/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,715
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,335
−HK$1,254/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,150
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,586 · Scale 2, in force from 26 Feb 2026)