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$36,615
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,157/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,826
−HK$1,108/mo
Today · 4.125%
HK$42,934
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,868/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,938
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,388/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,880
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,191
−HK$1,330/mo
Today · 4.125%
HK$51,521
baseline
▲ 0.50% · 4.625%
HK$54,237
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,042/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,261
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,855
−HK$1,620/mo
Today · 4.125%
HK$54,475
baseline
▲ 0.50% · 4.625%
HK$57,790
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,950/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,027
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,551/mo
Today · 4.125%
HK$60,108
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,216/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,957
−HK$2,083/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$74,302
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,321
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,287
−HK$1,995/mo
Today · 4.125%
HK$77,282
baseline
▲ 0.50% · 4.625%
HK$81,356
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,564/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,152 · Scale 2, in force from 26 Feb 2026)