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$23,223
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$734/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$703/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,666
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,867
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$881/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$844/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$1,027/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$984/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,321/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,265/mo
Today · 4.125%
HK$49,015
baseline
▲ 0.50% · 4.625%
HK$51,599
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,030/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,909 · Scale 2, in force from 26 Feb 2026)