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$22,928
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$724/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,508
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$694/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$870/mo
Today · 4.125%
HK$29,240
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,480/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$833/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$1,015/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$971/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,271
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,555
−HK$1,304/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,249/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$50,945
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,522 · Scale 2, in force from 26 Feb 2026)