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$36,891
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,166/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,117/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,539
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,270
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,399/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,908
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,250
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,570
−HK$1,340/mo
Today · 4.125%
HK$51,910
baseline
▲ 0.50% · 4.625%
HK$54,647
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,820/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,648
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,254
−HK$1,633/mo
Today · 4.125%
HK$54,887
baseline
▲ 0.50% · 4.625%
HK$58,226
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,774/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,458
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,563/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$63,754
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,404
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,470
−HK$2,099/mo
Today · 4.125%
HK$70,569
baseline
▲ 0.50% · 4.625%
HK$74,863
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,138/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,874
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,009/mo
Today · 4.125%
HK$77,865
baseline
▲ 0.50% · 4.625%
HK$81,970
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,730/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,698 · Scale 2, in force from 26 Feb 2026)