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$22,995
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$726/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,582
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$696/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,385
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,594
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$872/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,698
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$835/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,195
−HK$1,017/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,294
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,815
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$975/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$39,740
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,308/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,664
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,048
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,283
−HK$1,252/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,169 · Scale 2, in force from 26 Feb 2026)