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$36,641
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,781
−HK$1,158/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$41,308
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,109/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,969
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,337
−HK$1,390/mo
Today · 4.125%
HK$46,727
baseline
▲ 0.50% · 4.625%
HK$49,570
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,454/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,915
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,227
−HK$1,331/mo
Today · 4.125%
HK$51,558
baseline
▲ 0.50% · 4.625%
HK$54,276
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,116/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,298
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,893
−HK$1,621/mo
Today · 4.125%
HK$54,514
baseline
▲ 0.50% · 4.625%
HK$57,831
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,028/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,552/mo
Today · 4.125%
HK$60,151
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,302/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,954
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,005
−HK$2,085/mo
Today · 4.125%
HK$70,090
baseline
▲ 0.50% · 4.625%
HK$74,355
+HK$4,265/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,180/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,373
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,341
−HK$1,996/mo
Today · 4.125%
HK$77,337
baseline
▲ 0.50% · 4.625%
HK$81,414
+HK$4,077/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,674/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,582 · Scale 2, in force from 26 Feb 2026)