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$22,974
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$726/mo
Today · 4.125%
HK$24,415
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,830/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,559
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$695/mo
Today · 4.125%
HK$26,939
baseline
▲ 0.50% · 4.625%
HK$28,359
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,878/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$871/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,670
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$834/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$1,017/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$36,261
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$973/mo
Today · 4.125%
HK$37,715
baseline
▲ 0.50% · 4.625%
HK$39,703
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,430/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,354
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,307/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,006
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,252/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,530 · Scale 2, in force from 26 Feb 2026)