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$36,898
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,166/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,597
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,048
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,117/mo
Today · 4.125%
HK$43,266
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,532/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,400/mo
Today · 4.125%
HK$47,054
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,108/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,258
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,579
−HK$1,340/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,657
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,263
−HK$1,633/mo
Today · 4.125%
HK$54,896
baseline
▲ 0.50% · 4.625%
HK$58,236
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,792/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,467
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,563/mo
Today · 4.125%
HK$60,572
baseline
▲ 0.50% · 4.625%
HK$63,765
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,144/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$2,098/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,011/mo
Today · 4.125%
HK$77,879
baseline
▲ 0.50% · 4.625%
HK$81,984
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,758/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,800 · Scale 2, in force from 26 Feb 2026)