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$56,857
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,626
−HK$1,797/mo
Today · 4.125%
HK$60,423
baseline
▲ 0.50% · 4.625%
HK$64,099
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,846/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,253
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,949
−HK$1,721/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,185
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,229
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,351
−HK$2,156/mo
Today · 4.125%
HK$72,507
baseline
▲ 0.50% · 4.625%
HK$76,919
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,014/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,939
−HK$2,065/mo
Today · 4.125%
HK$80,004
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,218/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,008/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,600
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,076
−HK$2,516/mo
Today · 4.125%
HK$84,592
baseline
▲ 0.50% · 4.625%
HK$89,739
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,184/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,554
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,929
−HK$2,409/mo
Today · 4.125%
HK$93,338
baseline
▲ 0.50% · 4.625%
HK$98,258
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,676/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,343
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,526
−HK$3,235/mo
Today · 4.125%
HK$108,761
baseline
▲ 0.50% · 4.625%
HK$115,378
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,522/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,855
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,909
−HK$3,098/mo
Today · 4.125%
HK$120,007
baseline
▲ 0.50% · 4.625%
HK$126,332
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,014/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,718 · Scale 2, in force from 26 Feb 2026)