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$55,163
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,743/mo
Today · 4.125%
HK$58,622
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,244/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,014
−HK$1,670/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,093
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,196
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,255
−HK$2,092/mo
Today · 4.125%
HK$70,347
baseline
▲ 0.50% · 4.625%
HK$74,627
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,694/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,642
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,004/mo
Today · 4.125%
HK$77,621
baseline
▲ 0.50% · 4.625%
HK$81,712
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,242/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,228
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,441/mo
Today · 4.125%
HK$82,071
baseline
▲ 0.50% · 4.625%
HK$87,065
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,142/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,916
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,220
−HK$2,337/mo
Today · 4.125%
HK$90,557
baseline
▲ 0.50% · 4.625%
HK$95,331
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,114/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,293
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,382
−HK$3,138/mo
Today · 4.125%
HK$105,520
baseline
▲ 0.50% · 4.625%
HK$111,941
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,040/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,463
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,426
−HK$3,005/mo
Today · 4.125%
HK$116,431
baseline
▲ 0.50% · 4.625%
HK$122,568
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,862/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,143 · Scale 2, in force from 26 Feb 2026)