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$23,125
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$731/mo
Today · 4.125%
HK$24,575
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,150/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$700/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,546
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$877/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$840/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$1,023/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$980/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$39,964
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,625
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,315/mo
Today · 4.125%
HK$44,235
baseline
▲ 0.50% · 4.625%
HK$46,927
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,470/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,307
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,549
−HK$1,260/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,382
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,302 · Scale 2, in force from 26 Feb 2026)