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$55,481
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,207
−HK$1,753/mo
Today · 4.125%
HK$58,960
baseline
▲ 0.50% · 4.625%
HK$62,548
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,920/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,722
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,679/mo
Today · 4.125%
HK$65,057
baseline
▲ 0.50% · 4.625%
HK$68,486
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,114/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,578
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$2,105/mo
Today · 4.125%
HK$70,753
baseline
▲ 0.50% · 4.625%
HK$75,058
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,506/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,067
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,053
−HK$2,015/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,674
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,090
−HK$2,455/mo
Today · 4.125%
HK$82,545
baseline
▲ 0.50% · 4.625%
HK$87,567
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,090/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,411
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,729
−HK$2,351/mo
Today · 4.125%
HK$91,080
baseline
▲ 0.50% · 4.625%
HK$95,881
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,160/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,866
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,973
−HK$3,156/mo
Today · 4.125%
HK$106,129
baseline
▲ 0.50% · 4.625%
HK$112,586
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,258/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,100
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,080
−HK$3,023/mo
Today · 4.125%
HK$117,103
baseline
▲ 0.50% · 4.625%
HK$123,275
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,206/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,074 · Scale 2, in force from 26 Feb 2026)