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$23,233
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$735/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$703/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,678
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,879
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,746
−HK$881/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,430
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,847
−HK$844/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,414
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$1,028/mo
Today · 4.125%
HK$34,565
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,130/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,184
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$984/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,819
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,120
−HK$1,321/mo
Today · 4.125%
HK$44,441
baseline
▲ 0.50% · 4.625%
HK$47,145
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,882/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,523
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,771
−HK$1,265/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$51,621
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,073 · Scale 2, in force from 26 Feb 2026)