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$56,491
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,248
−HK$1,785/mo
Today · 4.125%
HK$60,033
baseline
▲ 0.50% · 4.625%
HK$63,686
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,066/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,845
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,531
−HK$1,710/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$69,732
+HK$3,491/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,789
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,898
−HK$2,142/mo
Today · 4.125%
HK$72,040
baseline
▲ 0.50% · 4.625%
HK$76,423
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,080/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,415
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,437
−HK$2,052/mo
Today · 4.125%
HK$79,489
baseline
▲ 0.50% · 4.625%
HK$83,679
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,978/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,087
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,547
−HK$2,500/mo
Today · 4.125%
HK$84,047
baseline
▲ 0.50% · 4.625%
HK$89,161
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,094/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,984
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,343
−HK$2,394/mo
Today · 4.125%
HK$92,737
baseline
▲ 0.50% · 4.625%
HK$97,625
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,474/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,683
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,846
−HK$3,214/mo
Today · 4.125%
HK$108,060
baseline
▲ 0.50% · 4.625%
HK$114,635
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,120/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,122
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,156
−HK$3,077/mo
Today · 4.125%
HK$119,233
baseline
▲ 0.50% · 4.625%
HK$125,518
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,466/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,890 · Scale 2, in force from 26 Feb 2026)