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$56,331
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,083
−HK$1,781/mo
Today · 4.125%
HK$59,864
baseline
▲ 0.50% · 4.625%
HK$63,506
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,728/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,668
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,349
−HK$1,705/mo
Today · 4.125%
HK$66,054
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,108/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,598
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,700
−HK$2,136/mo
Today · 4.125%
HK$71,836
baseline
▲ 0.50% · 4.625%
HK$76,208
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,672/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,202
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,046/mo
Today · 4.125%
HK$79,264
baseline
▲ 0.50% · 4.625%
HK$83,443
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,528/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,864
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,317
−HK$2,492/mo
Today · 4.125%
HK$83,809
baseline
▲ 0.50% · 4.625%
HK$88,909
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,618/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,735
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,088
−HK$2,387/mo
Today · 4.125%
HK$92,475
baseline
▲ 0.50% · 4.625%
HK$97,350
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,950/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,396
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,550
−HK$3,205/mo
Today · 4.125%
HK$107,755
baseline
▲ 0.50% · 4.625%
HK$114,311
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,510/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,802
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,828
−HK$3,069/mo
Today · 4.125%
HK$118,897
baseline
▲ 0.50% · 4.625%
HK$125,164
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,794/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,917 · Scale 2, in force from 26 Feb 2026)