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$55,759
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,494
−HK$1,762/mo
Today · 4.125%
HK$59,256
baseline
▲ 0.50% · 4.625%
HK$62,861
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,512/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,032
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,695
−HK$1,688/mo
Today · 4.125%
HK$65,383
baseline
▲ 0.50% · 4.625%
HK$68,829
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,766/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,911
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,992
−HK$2,115/mo
Today · 4.125%
HK$71,107
baseline
▲ 0.50% · 4.625%
HK$75,434
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,214/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,438
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,434
−HK$2,026/mo
Today · 4.125%
HK$78,460
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,920/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,063
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,491
−HK$2,467/mo
Today · 4.125%
HK$82,958
baseline
▲ 0.50% · 4.625%
HK$88,006
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,916/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,844
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,173
−HK$2,363/mo
Today · 4.125%
HK$91,536
baseline
▲ 0.50% · 4.625%
HK$96,361
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,072/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,367
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,489
−HK$3,172/mo
Today · 4.125%
HK$106,661
baseline
▲ 0.50% · 4.625%
HK$113,151
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,322/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,657
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,652
−HK$3,037/mo
Today · 4.125%
HK$117,689
baseline
▲ 0.50% · 4.625%
HK$123,893
+HK$6,204/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,378/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,256 · Scale 2, in force from 26 Feb 2026)