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$36,730
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,161/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,112/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,448
−HK$1,393/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,035
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,334/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,423
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,022
−HK$1,625/mo
Today · 4.125%
HK$54,647
baseline
▲ 0.50% · 4.625%
HK$57,972
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,294/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,207
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,741
−HK$1,557/mo
Today · 4.125%
HK$60,298
baseline
▲ 0.50% · 4.625%
HK$63,476
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,596/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,115
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$2,090/mo
Today · 4.125%
HK$70,261
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$4,275/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,522/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,552
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,001/mo
Today · 4.125%
HK$77,526
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,052/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,052 · Scale 2, in force from 26 Feb 2026)