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$55,666
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,398
−HK$1,759/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,757
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,685/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$68,715
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,800
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$2,112/mo
Today · 4.125%
HK$70,989
baseline
▲ 0.50% · 4.625%
HK$75,308
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,978/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,314
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,022/mo
Today · 4.125%
HK$78,329
baseline
▲ 0.50% · 4.625%
HK$82,458
+HK$4,129/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,658/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,933
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,357
−HK$2,463/mo
Today · 4.125%
HK$82,820
baseline
▲ 0.50% · 4.625%
HK$87,859
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,640/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,700
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,025
−HK$2,359/mo
Today · 4.125%
HK$91,384
baseline
▲ 0.50% · 4.625%
HK$96,201
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,768/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,199
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,316
−HK$3,167/mo
Today · 4.125%
HK$106,483
baseline
▲ 0.50% · 4.625%
HK$112,962
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,966/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,471
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,460
−HK$3,033/mo
Today · 4.125%
HK$117,493
baseline
▲ 0.50% · 4.625%
HK$123,686
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,986/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,524 · Scale 2, in force from 26 Feb 2026)