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$36,897
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,166/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,597
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,048
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,116/mo
Today · 4.125%
HK$43,265
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,530/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,276
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,399/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,916
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,257
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,578
−HK$1,340/mo
Today · 4.125%
HK$51,918
baseline
▲ 0.50% · 4.625%
HK$54,655
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,836/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,656
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,263
−HK$1,632/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$58,235
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,467
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$59,008
−HK$1,563/mo
Today · 4.125%
HK$60,571
baseline
▲ 0.50% · 4.625%
HK$63,764
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,142/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,415
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$2,099/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,874
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,886
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,867
−HK$2,011/mo
Today · 4.125%
HK$77,878
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,756/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,792 · Scale 2, in force from 26 Feb 2026)