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$36,636
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,775
−HK$1,158/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,757
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,109/mo
Today · 4.125%
HK$42,959
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,918/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,330
−HK$1,390/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,331/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,290
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,885
−HK$1,621/mo
Today · 4.125%
HK$54,506
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,012/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,060
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,552/mo
Today · 4.125%
HK$60,142
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,284/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,944
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$67,996
−HK$2,084/mo
Today · 4.125%
HK$70,080
baseline
▲ 0.50% · 4.625%
HK$74,344
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,160/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,362
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,330
−HK$1,996/mo
Today · 4.125%
HK$77,326
baseline
▲ 0.50% · 4.625%
HK$81,402
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,652/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,494 · Scale 2, in force from 26 Feb 2026)