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$37,080
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,172/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,123/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$45,772
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,406/mo
Today · 4.125%
HK$47,286
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,878/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$94,572/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,501
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,829
−HK$1,347/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$54,926
+HK$2,750/mo
Deposit HK$6.50M · loan HK$9.76M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,527
−HK$1,640/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$3,357/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,752
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,572/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,080
+HK$3,208/mo
Deposit HK$4.88M · loan HK$11.38M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,744
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,820
−HK$2,109/mo
Today · 4.125%
HK$70,929
baseline
▲ 0.50% · 4.625%
HK$75,245
+HK$4,316/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,858/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,252
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,021/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$82,389
+HK$4,125/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,800 · Scale 2, in force from 26 Feb 2026)