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$23,053
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,771
−HK$728/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$697/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,664
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$874/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,776
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$838/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$1,020/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,905
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$977/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,311/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,256/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,126 · Scale 2, in force from 26 Feb 2026)