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$22,865
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$723/mo
Today · 4.125%
HK$24,299
baseline
▲ 0.50% · 4.625%
HK$25,777
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,598/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,437
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$692/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,225
+HK$1,414/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,438
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$868/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,525
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$831/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$33,870
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$1,011/mo
Today · 4.125%
HK$34,018
baseline
▲ 0.50% · 4.625%
HK$36,088
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,612
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,567
−HK$969/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,301/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,015
−HK$1,245/mo
Today · 4.125%
HK$48,260
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,520/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,739 · Scale 2, in force from 26 Feb 2026)