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$36,762
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,162/mo
Today · 4.125%
HK$39,068
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,136/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,898
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,112/mo
Today · 4.125%
HK$43,107
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,214/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,115
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,394/mo
Today · 4.125%
HK$46,881
baseline
▲ 0.50% · 4.625%
HK$49,734
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,762/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,077
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,335/mo
Today · 4.125%
HK$51,729
baseline
▲ 0.50% · 4.625%
HK$54,456
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,458/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,467
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,068
−HK$1,627/mo
Today · 4.125%
HK$54,695
baseline
▲ 0.50% · 4.625%
HK$58,023
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,390/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,257
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,557/mo
Today · 4.125%
HK$60,350
baseline
▲ 0.50% · 4.625%
HK$63,532
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,700/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,172
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$2,091/mo
Today · 4.125%
HK$70,322
baseline
▲ 0.50% · 4.625%
HK$74,601
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,644/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,616
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,590
−HK$2,003/mo
Today · 4.125%
HK$77,593
baseline
▲ 0.50% · 4.625%
HK$81,683
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,186/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,578 · Scale 2, in force from 26 Feb 2026)