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$36,828
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,164/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,519
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,970
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,115/mo
Today · 4.125%
HK$43,184
baseline
▲ 0.50% · 4.625%
HK$45,460
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,368/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,568
−HK$1,397/mo
Today · 4.125%
HK$46,965
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,930/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,165
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,483
−HK$1,338/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,559
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,629/mo
Today · 4.125%
HK$54,792
baseline
▲ 0.50% · 4.625%
HK$58,126
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,584/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,359
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,897
−HK$1,561/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$63,644
+HK$3,186/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,290
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,352
−HK$2,095/mo
Today · 4.125%
HK$70,447
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$4,286/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,894/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,747
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,725
−HK$2,006/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,097/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,651 · Scale 2, in force from 26 Feb 2026)