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$36,569
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$1,156/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$41,226
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,107/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,882
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,387/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,838/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,328/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,169
+HK$2,713/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,196
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,618/mo
Today · 4.125%
HK$54,407
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,814/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,483
−HK$1,549/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,197
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,824
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,871
−HK$2,080/mo
Today · 4.125%
HK$69,951
baseline
▲ 0.50% · 4.625%
HK$74,208
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,902/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,228
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,192
−HK$1,992/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,253
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,391 · Scale 2, in force from 26 Feb 2026)