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$36,826
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,971
−HK$1,164/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,968
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,067
−HK$1,115/mo
Today · 4.125%
HK$43,182
baseline
▲ 0.50% · 4.625%
HK$45,458
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,364/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,191
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,565
−HK$1,397/mo
Today · 4.125%
HK$46,962
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,924/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,162
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,480
−HK$1,338/mo
Today · 4.125%
HK$51,818
baseline
▲ 0.50% · 4.625%
HK$54,549
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,636/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,556
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,160
−HK$1,629/mo
Today · 4.125%
HK$54,789
baseline
▲ 0.50% · 4.625%
HK$58,123
+HK$3,334/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,578/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,560/mo
Today · 4.125%
HK$60,454
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,187/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,908/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,286
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,348
−HK$2,095/mo
Today · 4.125%
HK$70,443
baseline
▲ 0.50% · 4.625%
HK$74,729
+HK$4,286/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,886/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,743
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,721
−HK$2,006/mo
Today · 4.125%
HK$77,727
baseline
▲ 0.50% · 4.625%
HK$81,824
+HK$4,097/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,454/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,618 · Scale 2, in force from 26 Feb 2026)