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$22,886
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$723/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$692/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$832/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$1,013/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$970/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,195
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,302/mo
Today · 4.125%
HK$43,779
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,558/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,829
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,058
−HK$1,247/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$50,852
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,672 · Scale 2, in force from 26 Feb 2026)