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$36,824
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,969
−HK$1,164/mo
Today · 4.125%
HK$39,133
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,266/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,966
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,065
−HK$1,115/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,189
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,397/mo
Today · 4.125%
HK$46,960
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,920/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,160
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,338/mo
Today · 4.125%
HK$51,816
baseline
▲ 0.50% · 4.625%
HK$54,547
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,632/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,554
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,630/mo
Today · 4.125%
HK$54,787
baseline
▲ 0.50% · 4.625%
HK$58,120
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,574/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,891
−HK$1,561/mo
Today · 4.125%
HK$60,452
baseline
▲ 0.50% · 4.625%
HK$63,638
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,904/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,283
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,345
−HK$2,095/mo
Today · 4.125%
HK$70,440
baseline
▲ 0.50% · 4.625%
HK$74,726
+HK$4,286/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,880/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,739
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,717
−HK$2,006/mo
Today · 4.125%
HK$77,723
baseline
▲ 0.50% · 4.625%
HK$81,820
+HK$4,097/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,446/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,591 · Scale 2, in force from 26 Feb 2026)