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$55,105
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,819
−HK$1,741/mo
Today · 4.125%
HK$58,560
baseline
▲ 0.50% · 4.625%
HK$62,123
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,120/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,303
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,948
−HK$1,667/mo
Today · 4.125%
HK$64,615
baseline
▲ 0.50% · 4.625%
HK$68,021
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,230/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$2,090/mo
Today · 4.125%
HK$70,272
baseline
▲ 0.50% · 4.625%
HK$74,548
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,544/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,564
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,537
−HK$2,002/mo
Today · 4.125%
HK$77,539
baseline
▲ 0.50% · 4.625%
HK$81,626
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,078/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,147
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,546
−HK$2,438/mo
Today · 4.125%
HK$81,984
baseline
▲ 0.50% · 4.625%
HK$86,973
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,968/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,825
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,127
−HK$2,335/mo
Today · 4.125%
HK$90,462
baseline
▲ 0.50% · 4.625%
HK$95,230
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,924/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,188
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,274
−HK$3,134/mo
Today · 4.125%
HK$105,408
baseline
▲ 0.50% · 4.625%
HK$111,822
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,816/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,346
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,306
−HK$3,002/mo
Today · 4.125%
HK$116,308
baseline
▲ 0.50% · 4.625%
HK$122,439
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,616/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,055 · Scale 2, in force from 26 Feb 2026)