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$36,605
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,157/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,815
−HK$1,108/mo
Today · 4.125%
HK$42,923
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,846/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,926
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,292
−HK$1,388/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,867
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,329/mo
Today · 4.125%
HK$51,507
baseline
▲ 0.50% · 4.625%
HK$54,222
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,014/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,247
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,841
−HK$1,619/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,774
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,011
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,552/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,259
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,889
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,938
−HK$2,082/mo
Today · 4.125%
HK$70,020
baseline
▲ 0.50% · 4.625%
HK$74,281
+HK$4,261/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,040/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,300
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,266
−HK$1,995/mo
Today · 4.125%
HK$77,261
baseline
▲ 0.50% · 4.625%
HK$81,333
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,522/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,985 · Scale 2, in force from 26 Feb 2026)