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$23,092
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,810
−HK$730/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$699/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$876/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$839/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,334
−HK$1,022/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,446
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,965
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$978/mo
Today · 4.125%
HK$37,908
baseline
▲ 0.50% · 4.625%
HK$39,906
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,816/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,314/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,258/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,755 · Scale 2, in force from 26 Feb 2026)