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$22,849
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$722/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$691/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$866/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$830/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$1,011/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$968/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,128
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,300/mo
Today · 4.125%
HK$43,707
baseline
▲ 0.50% · 4.625%
HK$46,367
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,414/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,982
−HK$1,244/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$50,769
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,032 · Scale 2, in force from 26 Feb 2026)