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$37,089
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,172/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,399/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,368
−HK$1,123/mo
Today · 4.125%
HK$43,491
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,292/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,982/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,406/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$50,176
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,514
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,347/mo
Today · 4.125%
HK$52,189
baseline
▲ 0.50% · 4.625%
HK$54,940
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,378/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,925
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,540
−HK$1,641/mo
Today · 4.125%
HK$55,181
baseline
▲ 0.50% · 4.625%
HK$58,539
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,362/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,766
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,316
−HK$1,571/mo
Today · 4.125%
HK$60,887
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,774/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,761
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,838
−HK$2,110/mo
Today · 4.125%
HK$70,948
baseline
▲ 0.50% · 4.625%
HK$75,265
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,896/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,271
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,263
−HK$2,021/mo
Today · 4.125%
HK$78,284
baseline
▲ 0.50% · 4.625%
HK$82,410
+HK$4,126/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,568/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,956 · Scale 2, in force from 26 Feb 2026)