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$36,525
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,154/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,106/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,086
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,829
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,193
−HK$1,385/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,412
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,760
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,068
−HK$1,326/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,103
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,134
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,616/mo
Today · 4.125%
HK$54,341
baseline
▲ 0.50% · 4.625%
HK$57,648
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,682/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,887
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,548/mo
Today · 4.125%
HK$59,960
baseline
▲ 0.50% · 4.625%
HK$63,120
+HK$3,160/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,920/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,744
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,789
−HK$2,078/mo
Today · 4.125%
HK$69,867
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,734/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,140
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,101
−HK$1,990/mo
Today · 4.125%
HK$77,091
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,182/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,666 · Scale 2, in force from 26 Feb 2026)