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$22,843
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$722/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$691/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$866/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$829/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$1,011/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,577
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$968/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,476
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,299/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,742
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,244/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$50,755
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,758 · Scale 2, in force from 26 Feb 2026)