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$23,095
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$730/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,494/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,693
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,382
−HK$699/mo
Today · 4.125%
HK$27,081
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,428/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,162/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$876/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,244
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,904/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$838/mo
Today · 4.125%
HK$32,497
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,994/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,333
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$1,022/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,970
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,935
−HK$979/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$39,912
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,864
−HK$1,314/mo
Today · 4.125%
HK$44,178
baseline
▲ 0.50% · 4.625%
HK$46,866
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,356/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,247
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,488
−HK$1,258/mo
Today · 4.125%
HK$48,746
baseline
▲ 0.50% · 4.625%
HK$51,315
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,492/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,811 · Scale 2, in force from 26 Feb 2026)