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$54,534
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,230
−HK$1,723/mo
Today · 4.125%
HK$57,953
baseline
▲ 0.50% · 4.625%
HK$61,480
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,906/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,668
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,295
−HK$1,651/mo
Today · 4.125%
HK$63,946
baseline
▲ 0.50% · 4.625%
HK$67,316
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,892/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,440
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,476
−HK$2,068/mo
Today · 4.125%
HK$69,544
baseline
▲ 0.50% · 4.625%
HK$73,776
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,088/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,802
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,754
−HK$1,981/mo
Today · 4.125%
HK$76,735
baseline
▲ 0.50% · 4.625%
HK$80,780
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,470/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,347
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,722
−HK$2,413/mo
Today · 4.125%
HK$81,135
baseline
▲ 0.50% · 4.625%
HK$86,071
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,270/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,935
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,213
−HK$2,311/mo
Today · 4.125%
HK$89,524
baseline
▲ 0.50% · 4.625%
HK$94,243
+HK$4,719/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,048/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,160
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,214
−HK$3,102/mo
Today · 4.125%
HK$104,316
baseline
▲ 0.50% · 4.625%
HK$110,663
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,632/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,202
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,131
−HK$2,971/mo
Today · 4.125%
HK$115,102
baseline
▲ 0.50% · 4.625%
HK$121,170
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,204/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,411 · Scale 2, in force from 26 Feb 2026)