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$23,050
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$729/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$697/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$874/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$837/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,270
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$1,020/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,900
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$977/mo
Today · 4.125%
HK$37,840
baseline
▲ 0.50% · 4.625%
HK$39,834
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,680/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,781
−HK$1,311/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,775
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,157
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,256/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,216
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,072 · Scale 2, in force from 26 Feb 2026)