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$22,907
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$724/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$693/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$869/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,580
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$832/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$1,013/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,677
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$970/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,232
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,303/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,870
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,248/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,569 · Scale 2, in force from 26 Feb 2026)