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$23,150
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$731/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$701/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$877/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$841/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,291
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$1,025/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$981/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,006
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,669
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,965
−HK$1,317/mo
Today · 4.125%
HK$44,282
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,564/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,357
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,261/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,437
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,706 · Scale 2, in force from 26 Feb 2026)