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$55,714
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,761/mo
Today · 4.125%
HK$59,208
baseline
▲ 0.50% · 4.625%
HK$62,811
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,416/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,982
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,644
−HK$1,686/mo
Today · 4.125%
HK$65,330
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,660/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,857
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,937
−HK$2,113/mo
Today · 4.125%
HK$71,050
baseline
▲ 0.50% · 4.625%
HK$75,373
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,100/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,378
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,373
−HK$2,023/mo
Today · 4.125%
HK$78,396
baseline
▲ 0.50% · 4.625%
HK$82,529
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,792/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,000
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,426
−HK$2,465/mo
Today · 4.125%
HK$82,891
baseline
▲ 0.50% · 4.625%
HK$87,935
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,782/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,774
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,101
−HK$2,361/mo
Today · 4.125%
HK$91,462
baseline
▲ 0.50% · 4.625%
HK$96,283
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,924/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,286
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,405
−HK$3,169/mo
Today · 4.125%
HK$106,574
baseline
▲ 0.50% · 4.625%
HK$113,059
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,148/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,567
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,559
−HK$3,035/mo
Today · 4.125%
HK$117,594
baseline
▲ 0.50% · 4.625%
HK$123,793
+HK$6,199/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,188/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,417 · Scale 2, in force from 26 Feb 2026)