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$1,448/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$730/mo
Today · 4.125%
HK$24,530
baseline
▲ 0.50% · 4.625%
HK$26,022
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,060/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$699/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,493
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$876/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$838/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,315
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$1,022/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,431
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,950
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$978/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$39,890
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,548
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,840
−HK$1,313/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,840
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,461
−HK$1,258/mo
Today · 4.125%
HK$48,719
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,438/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,599 · Scale 2, in force from 26 Feb 2026)