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$23,041
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$729/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$697/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$874/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$837/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$1,020/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$976/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,473
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,311/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,376
−HK$1,255/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,917 · Scale 2, in force from 26 Feb 2026)