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$23,079
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$729/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,675
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$698/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$876/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$31,222
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,810
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$838/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,021/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$978/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,542
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,312/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,215
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,455
−HK$1,257/mo
Today · 4.125%
HK$48,712
baseline
▲ 0.50% · 4.625%
HK$51,280
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,424/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,548 · Scale 2, in force from 26 Feb 2026)