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$54,893
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,601
−HK$1,735/mo
Today · 4.125%
HK$58,336
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,672/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,068
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,662/mo
Today · 4.125%
HK$64,368
baseline
▲ 0.50% · 4.625%
HK$67,761
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,736/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,872
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$2,082/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,006/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,282
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,247
−HK$1,994/mo
Today · 4.125%
HK$77,241
baseline
▲ 0.50% · 4.625%
HK$81,313
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,482/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,851
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,241
−HK$2,429/mo
Today · 4.125%
HK$81,670
baseline
▲ 0.50% · 4.625%
HK$86,639
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,340/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,496
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,789
−HK$2,326/mo
Today · 4.125%
HK$90,115
baseline
▲ 0.50% · 4.625%
HK$94,865
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,230/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,808
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,882
−HK$3,122/mo
Today · 4.125%
HK$105,004
baseline
▲ 0.50% · 4.625%
HK$111,393
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,008/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,923
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,871
−HK$2,991/mo
Today · 4.125%
HK$115,862
baseline
▲ 0.50% · 4.625%
HK$121,969
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,724/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,117 · Scale 2, in force from 26 Feb 2026)