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$22,874
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$723/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$692/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,449
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$867/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$830/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$1,012/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$969/mo
Today · 4.125%
HK$37,551
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,102/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,454
−HK$1,301/mo
Today · 4.125%
HK$43,755
baseline
▲ 0.50% · 4.625%
HK$46,418
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,510/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,805
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,033
−HK$1,247/mo
Today · 4.125%
HK$48,280
baseline
▲ 0.50% · 4.625%
HK$50,825
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,560/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,137 · Scale 2, in force from 26 Feb 2026)