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$23,073
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$730/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$698/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$875/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$31,214
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,802
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$838/mo
Today · 4.125%
HK$32,466
baseline
▲ 0.50% · 4.625%
HK$34,177
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,932/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$1,020/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,654/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,935
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$978/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$39,873
+HK$1,996/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,531
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,312/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,203
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,257/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,443 · Scale 2, in force from 26 Feb 2026)