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$23,180
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$732/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$701/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$879/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$841/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$1,026/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,102
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$983/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,319/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,662
−HK$1,263/mo
Today · 4.125%
HK$48,925
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,850/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,202 · Scale 2, in force from 26 Feb 2026)