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$23,034
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$728/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$697/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$874/mo
Today · 4.125%
HK$29,374
baseline
▲ 0.50% · 4.625%
HK$31,161
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,748/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,750
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$837/mo
Today · 4.125%
HK$32,411
baseline
▲ 0.50% · 4.625%
HK$34,120
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,822/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$1,019/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$976/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,461
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,750
−HK$1,311/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,742
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,125
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,362
−HK$1,255/mo
Today · 4.125%
HK$48,617
baseline
▲ 0.50% · 4.625%
HK$51,179
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,234/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,803 · Scale 2, in force from 26 Feb 2026)