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$56,299
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,779/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,641/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,632
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,704/mo
Today · 4.125%
HK$66,016
baseline
▲ 0.50% · 4.625%
HK$69,496
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,032/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,559
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,660
−HK$2,135/mo
Today · 4.125%
HK$71,795
baseline
▲ 0.50% · 4.625%
HK$76,164
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,590/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,158
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,045/mo
Today · 4.125%
HK$79,219
baseline
▲ 0.50% · 4.625%
HK$83,395
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,438/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,819
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,270
−HK$2,491/mo
Today · 4.125%
HK$83,761
baseline
▲ 0.50% · 4.625%
HK$88,858
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,522/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,685
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,037
−HK$2,385/mo
Today · 4.125%
HK$92,422
baseline
▲ 0.50% · 4.625%
HK$97,294
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,844/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,338
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,490
−HK$3,203/mo
Today · 4.125%
HK$107,693
baseline
▲ 0.50% · 4.625%
HK$114,246
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,386/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,738
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,761
−HK$3,068/mo
Today · 4.125%
HK$118,829
baseline
▲ 0.50% · 4.625%
HK$125,092
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,658/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,315 · Scale 2, in force from 26 Feb 2026)