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$56,356
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,781/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,534
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,695
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,706/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,627
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,731
−HK$2,137/mo
Today · 4.125%
HK$71,868
baseline
▲ 0.50% · 4.625%
HK$76,241
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,736/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,234
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,252
−HK$2,047/mo
Today · 4.125%
HK$79,299
baseline
▲ 0.50% · 4.625%
HK$83,479
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,598/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,898
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,352
−HK$2,494/mo
Today · 4.125%
HK$83,846
baseline
▲ 0.50% · 4.625%
HK$88,948
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,692/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,774
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,128
−HK$2,388/mo
Today · 4.125%
HK$92,516
baseline
▲ 0.50% · 4.625%
HK$97,392
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,032/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,441
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,596
−HK$3,206/mo
Today · 4.125%
HK$107,802
baseline
▲ 0.50% · 4.625%
HK$114,361
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,604/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,852
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,878
−HK$3,071/mo
Today · 4.125%
HK$118,949
baseline
▲ 0.50% · 4.625%
HK$125,219
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,898/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,376 · Scale 2, in force from 26 Feb 2026)