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$23,008
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$727/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,939
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,597
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,283
−HK$697/mo
Today · 4.125%
HK$26,980
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,960/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$873/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$835/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$1,018/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,835
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$975/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$39,762
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,309/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,690
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,253/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,386 · Scale 2, in force from 26 Feb 2026)