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$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,166/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,037
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,116/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,642
−HK$1,399/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,339/mo
Today · 4.125%
HK$51,905
baseline
▲ 0.50% · 4.625%
HK$54,641
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,810/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,643
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,249
−HK$1,632/mo
Today · 4.125%
HK$54,881
baseline
▲ 0.50% · 4.625%
HK$58,221
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,762/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,452
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,993
−HK$1,563/mo
Today · 4.125%
HK$60,556
baseline
▲ 0.50% · 4.625%
HK$63,748
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,112/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,463
−HK$2,099/mo
Today · 4.125%
HK$70,562
baseline
▲ 0.50% · 4.625%
HK$74,855
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,124/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,867
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,848
−HK$2,010/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$81,962
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,640 · Scale 2, in force from 26 Feb 2026)