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$23,136
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$731/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,739
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$700/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$877/mo
Today · 4.125%
HK$29,504
baseline
▲ 0.50% · 4.625%
HK$31,300
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,008/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,887
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,715
−HK$840/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,271
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$1,024/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,516
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,034
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$980/mo
Today · 4.125%
HK$37,981
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,962/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,645
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,316/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,572
−HK$1,261/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,487 · Scale 2, in force from 26 Feb 2026)