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$55,161
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,876
−HK$1,744/mo
Today · 4.125%
HK$58,620
baseline
▲ 0.50% · 4.625%
HK$62,186
+HK$3,566/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,240/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,366
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,011
−HK$1,670/mo
Today · 4.125%
HK$64,681
baseline
▲ 0.50% · 4.625%
HK$68,090
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,362/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,193
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,252
−HK$2,091/mo
Today · 4.125%
HK$70,343
baseline
▲ 0.50% · 4.625%
HK$74,624
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,686/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,639
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,614
−HK$2,003/mo
Today · 4.125%
HK$77,617
baseline
▲ 0.50% · 4.625%
HK$81,708
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,234/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,225
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,440/mo
Today · 4.125%
HK$82,067
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,134/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,912
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,216
−HK$2,337/mo
Today · 4.125%
HK$90,553
baseline
▲ 0.50% · 4.625%
HK$95,326
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,106/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,289
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,377
−HK$3,138/mo
Today · 4.125%
HK$105,515
baseline
▲ 0.50% · 4.625%
HK$111,936
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,030/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,458
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,420
−HK$3,006/mo
Today · 4.125%
HK$116,426
baseline
▲ 0.50% · 4.625%
HK$122,563
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,852/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,096 · Scale 2, in force from 26 Feb 2026)