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$55,057
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,769
−HK$1,740/mo
Today · 4.125%
HK$58,509
baseline
▲ 0.50% · 4.625%
HK$62,069
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,018/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,250
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,893
−HK$1,666/mo
Today · 4.125%
HK$64,559
baseline
▲ 0.50% · 4.625%
HK$67,962
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,118/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,068
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,123
−HK$2,088/mo
Today · 4.125%
HK$70,211
baseline
▲ 0.50% · 4.625%
HK$74,483
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,422/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,500
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,471
−HK$2,000/mo
Today · 4.125%
HK$77,471
baseline
▲ 0.50% · 4.625%
HK$81,554
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,942/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,079
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,477
−HK$2,436/mo
Today · 4.125%
HK$81,913
baseline
▲ 0.50% · 4.625%
HK$86,897
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,826/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,750
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,050
−HK$2,333/mo
Today · 4.125%
HK$90,383
baseline
▲ 0.50% · 4.625%
HK$95,147
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,766/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,102
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,184
−HK$3,132/mo
Today · 4.125%
HK$105,316
baseline
▲ 0.50% · 4.625%
HK$111,725
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,632/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,250
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,207
−HK$2,999/mo
Today · 4.125%
HK$116,206
baseline
▲ 0.50% · 4.625%
HK$122,332
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,412/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,159 · Scale 2, in force from 26 Feb 2026)