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$36,849
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,164/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,542
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,994
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,093
−HK$1,115/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,486
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,416/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,218
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,594
−HK$1,397/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,338/mo
Today · 4.125%
HK$51,850
baseline
▲ 0.50% · 4.625%
HK$54,583
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,700/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,193
−HK$1,630/mo
Today · 4.125%
HK$54,823
baseline
▲ 0.50% · 4.625%
HK$58,159
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,646/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,391
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,562/mo
Today · 4.125%
HK$60,492
baseline
▲ 0.50% · 4.625%
HK$63,680
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,984/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,327
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,391
−HK$2,096/mo
Today · 4.125%
HK$70,487
baseline
▲ 0.50% · 4.625%
HK$74,776
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,974/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,789
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,767
−HK$2,008/mo
Today · 4.125%
HK$77,775
baseline
▲ 0.50% · 4.625%
HK$81,875
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,550/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,994 · Scale 2, in force from 26 Feb 2026)