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$36,912
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,166/mo
Today · 4.125%
HK$39,226
baseline
▲ 0.50% · 4.625%
HK$41,613
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,452/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,064
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,117/mo
Today · 4.125%
HK$43,282
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,282/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,564/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,294
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,400/mo
Today · 4.125%
HK$47,072
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,144/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,598
−HK$1,341/mo
Today · 4.125%
HK$51,939
baseline
▲ 0.50% · 4.625%
HK$54,677
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,878/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,676
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,633/mo
Today · 4.125%
HK$54,917
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,834/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,489
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,031
−HK$1,564/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$63,789
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,441
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,508
−HK$2,099/mo
Today · 4.125%
HK$70,607
baseline
▲ 0.50% · 4.625%
HK$74,904
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,214/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,915
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,897
−HK$2,011/mo
Today · 4.125%
HK$77,908
baseline
▲ 0.50% · 4.625%
HK$82,015
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,816/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,032 · Scale 2, in force from 26 Feb 2026)