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$36,946
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,167/mo
Today · 4.125%
HK$39,262
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,524/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,102
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,204
−HK$1,118/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,401/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,982
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,322
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,645
−HK$1,342/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$54,727
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,724
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,634/mo
Today · 4.125%
HK$54,967
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,934/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,542
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,085
−HK$1,566/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,502
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,571
−HK$2,101/mo
Today · 4.125%
HK$70,672
baseline
▲ 0.50% · 4.625%
HK$74,973
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,344/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,983
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,967
−HK$2,013/mo
Today · 4.125%
HK$77,980
baseline
▲ 0.50% · 4.625%
HK$82,090
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,960/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,590 · Scale 2, in force from 26 Feb 2026)