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$36,524
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$1,154/mo
Today · 4.125%
HK$38,814
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,628/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,106/mo
Today · 4.125%
HK$42,828
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,656/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,829
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,385/mo
Today · 4.125%
HK$46,577
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,154/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,759
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,067
−HK$1,326/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,102
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,724
−HK$1,616/mo
Today · 4.125%
HK$54,340
baseline
▲ 0.50% · 4.625%
HK$57,646
+HK$3,306/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,680/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,885
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,411
−HK$1,548/mo
Today · 4.125%
HK$59,959
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,160/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,918/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,743
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,788
−HK$2,078/mo
Today · 4.125%
HK$69,866
baseline
▲ 0.50% · 4.625%
HK$74,117
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,732/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,138
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,100
−HK$1,990/mo
Today · 4.125%
HK$77,090
baseline
▲ 0.50% · 4.625%
HK$81,153
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,180/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,654 · Scale 2, in force from 26 Feb 2026)