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$22,847
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$722/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$692/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,416
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,269
−HK$866/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,500
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,318
−HK$830/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,980
−HK$1,011/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$968/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,483
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,300/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,245/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,934 · Scale 2, in force from 26 Feb 2026)