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$54,762
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,465
−HK$1,731/mo
Today · 4.125%
HK$58,196
baseline
▲ 0.50% · 4.625%
HK$61,737
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,392/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,922
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,556
−HK$1,658/mo
Today · 4.125%
HK$64,214
baseline
▲ 0.50% · 4.625%
HK$67,598
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,428/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,714
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,758
−HK$2,077/mo
Today · 4.125%
HK$69,835
baseline
▲ 0.50% · 4.625%
HK$74,084
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,670/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,106
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,067
−HK$1,989/mo
Today · 4.125%
HK$77,056
baseline
▲ 0.50% · 4.625%
HK$81,118
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,112/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,667
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,051
−HK$2,423/mo
Today · 4.125%
HK$81,474
baseline
▲ 0.50% · 4.625%
HK$86,432
+HK$4,958/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,948/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,291
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,578
−HK$2,321/mo
Today · 4.125%
HK$89,899
baseline
▲ 0.50% · 4.625%
HK$94,638
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,798/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,571
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,638
−HK$3,115/mo
Today · 4.125%
HK$104,753
baseline
▲ 0.50% · 4.625%
HK$111,127
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,506/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,660
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,601
−HK$2,983/mo
Today · 4.125%
HK$115,584
baseline
▲ 0.50% · 4.625%
HK$121,677
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,168/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,667 · Scale 2, in force from 26 Feb 2026)