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$23,082
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$729/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,678
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$698/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,492
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,698
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$876/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$838/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$1,022/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$978/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,547
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,839
−HK$1,313/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,839
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,220
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,460
−HK$1,258/mo
Today · 4.125%
HK$48,718
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,436/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,588 · Scale 2, in force from 26 Feb 2026)