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$36,585
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,156/mo
Today · 4.125%
HK$38,879
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,758/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,792
−HK$1,107/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,161
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,902
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,388/mo
Today · 4.125%
HK$46,655
baseline
▲ 0.50% · 4.625%
HK$49,494
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,310/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,840
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,150
−HK$1,329/mo
Today · 4.125%
HK$51,479
baseline
▲ 0.50% · 4.625%
HK$54,193
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,958/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,219
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,619/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,743
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,980
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,550/mo
Today · 4.125%
HK$60,059
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,118/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,853
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$2,081/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$74,241
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,261
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,225
−HK$1,994/mo
Today · 4.125%
HK$77,219
baseline
▲ 0.50% · 4.625%
HK$81,289
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,438/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,658 · Scale 2, in force from 26 Feb 2026)