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$36,904
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,166/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,157
−HK$1,117/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,400/mo
Today · 4.125%
HK$47,062
baseline
▲ 0.50% · 4.625%
HK$49,926
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,124/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,267
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,588
−HK$1,340/mo
Today · 4.125%
HK$51,928
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$2,738/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,856/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,633/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,478
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,019
−HK$1,564/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$63,776
+HK$3,193/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,494
−HK$2,099/mo
Today · 4.125%
HK$70,593
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,186/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,900
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,882
−HK$2,010/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$81,998
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,908 · Scale 2, in force from 26 Feb 2026)