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$36,572
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,155/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,107/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,145
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,887
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,252
−HK$1,387/mo
Today · 4.125%
HK$46,639
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,837/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,278/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,133
−HK$1,328/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,174
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,201
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,794
−HK$1,618/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,723
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,961
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,550/mo
Today · 4.125%
HK$60,038
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,076/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,830
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,877
−HK$2,081/mo
Today · 4.125%
HK$69,958
baseline
▲ 0.50% · 4.625%
HK$74,215
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,916/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,235
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,199
−HK$1,993/mo
Today · 4.125%
HK$77,192
baseline
▲ 0.50% · 4.625%
HK$81,260
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,384/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,448 · Scale 2, in force from 26 Feb 2026)