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$23,204
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$734/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$702/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$880/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$843/mo
Today · 4.125%
HK$32,650
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,300/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,485
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$1,027/mo
Today · 4.125%
HK$34,522
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,044/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$984/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,320/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$47,086
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,465
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,264/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,596 · Scale 2, in force from 26 Feb 2026)