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$56,151
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,898
−HK$1,775/mo
Today · 4.125%
HK$59,673
baseline
▲ 0.50% · 4.625%
HK$63,304
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,346/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,468
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,143
−HK$1,700/mo
Today · 4.125%
HK$65,843
baseline
▲ 0.50% · 4.625%
HK$69,313
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,686/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,478
−HK$2,129/mo
Today · 4.125%
HK$71,607
baseline
▲ 0.50% · 4.625%
HK$75,964
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,214/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,961
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,972
−HK$2,039/mo
Today · 4.125%
HK$79,011
baseline
▲ 0.50% · 4.625%
HK$83,176
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,022/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,612
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,057
−HK$2,485/mo
Today · 4.125%
HK$83,542
baseline
▲ 0.50% · 4.625%
HK$88,625
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,084/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,455
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,800
−HK$2,380/mo
Today · 4.125%
HK$92,180
baseline
▲ 0.50% · 4.625%
HK$97,039
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,360/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,072
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,216
−HK$3,195/mo
Today · 4.125%
HK$107,411
baseline
▲ 0.50% · 4.625%
HK$113,946
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,822/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,442
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,458
−HK$3,059/mo
Today · 4.125%
HK$118,517
baseline
▲ 0.50% · 4.625%
HK$124,764
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,034/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,564 · Scale 2, in force from 26 Feb 2026)