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$36,961
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,110
−HK$1,168/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,668
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,118
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,119/mo
Today · 4.125%
HK$43,340
baseline
▲ 0.50% · 4.625%
HK$45,624
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,680/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,732
−HK$1,402/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,665
−HK$1,343/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$54,749
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,745
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,354
−HK$1,636/mo
Today · 4.125%
HK$54,990
baseline
▲ 0.50% · 4.625%
HK$58,336
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,980/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,566
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,109
−HK$1,567/mo
Today · 4.125%
HK$60,676
baseline
▲ 0.50% · 4.625%
HK$63,874
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,352/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,529
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,598
−HK$2,103/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$75,003
+HK$4,302/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,998
−HK$2,014/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,124
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,836 · Scale 2, in force from 26 Feb 2026)