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$55,382
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,750/mo
Today · 4.125%
HK$58,855
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,710/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,676/mo
Today · 4.125%
HK$64,940
baseline
▲ 0.50% · 4.625%
HK$68,364
+HK$3,424/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,880/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,458
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$2,101/mo
Today · 4.125%
HK$70,626
baseline
▲ 0.50% · 4.625%
HK$74,923
+HK$4,297/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,252/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,934
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,917
−HK$2,012/mo
Today · 4.125%
HK$77,929
baseline
▲ 0.50% · 4.625%
HK$82,036
+HK$4,107/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,858/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,535
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,946
−HK$2,451/mo
Today · 4.125%
HK$82,397
baseline
▲ 0.50% · 4.625%
HK$87,410
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,794/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,570
−HK$2,347/mo
Today · 4.125%
HK$90,917
baseline
▲ 0.50% · 4.625%
HK$95,709
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,834/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,687
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,788
−HK$3,151/mo
Today · 4.125%
HK$105,939
baseline
▲ 0.50% · 4.625%
HK$112,385
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,878/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,901
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,875
−HK$3,018/mo
Today · 4.125%
HK$116,893
baseline
▲ 0.50% · 4.625%
HK$123,054
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,786/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,222 · Scale 2, in force from 26 Feb 2026)