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$36,573
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,711
−HK$1,155/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,687
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,778
−HK$1,107/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,888
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,387/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,824
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,134
−HK$1,328/mo
Today · 4.125%
HK$51,462
baseline
▲ 0.50% · 4.625%
HK$54,175
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,924/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,618/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,490
−HK$1,549/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,204
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,831
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,879
−HK$2,081/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$74,216
+HK$4,256/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,201
−HK$1,992/mo
Today · 4.125%
HK$77,193
baseline
▲ 0.50% · 4.625%
HK$81,262
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,386/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,462 · Scale 2, in force from 26 Feb 2026)