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$36,920
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,167/mo
Today · 4.125%
HK$39,236
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,387/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,472/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,073
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,175
−HK$1,118/mo
Today · 4.125%
HK$43,293
baseline
▲ 0.50% · 4.625%
HK$45,575
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,586/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,304
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,682
−HK$1,401/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,947
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,288
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,610
−HK$1,341/mo
Today · 4.125%
HK$51,951
baseline
▲ 0.50% · 4.625%
HK$54,689
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,902/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,688
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,634/mo
Today · 4.125%
HK$54,930
baseline
▲ 0.50% · 4.625%
HK$58,272
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,860/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,503
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,045
−HK$1,565/mo
Today · 4.125%
HK$60,610
baseline
▲ 0.50% · 4.625%
HK$63,804
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,220/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,456
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,524
−HK$2,100/mo
Today · 4.125%
HK$70,624
baseline
▲ 0.50% · 4.625%
HK$74,921
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,248/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,932
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,012/mo
Today · 4.125%
HK$77,927
baseline
▲ 0.50% · 4.625%
HK$82,034
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,854/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,174 · Scale 2, in force from 26 Feb 2026)