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$55,184
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,901
−HK$1,744/mo
Today · 4.125%
HK$58,645
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,290/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,392
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,670/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,119
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,221
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,281
−HK$2,092/mo
Today · 4.125%
HK$70,373
baseline
▲ 0.50% · 4.625%
HK$74,655
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,746/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,670
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,646
−HK$2,004/mo
Today · 4.125%
HK$77,650
baseline
▲ 0.50% · 4.625%
HK$81,743
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,300/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,258
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,661
−HK$2,441/mo
Today · 4.125%
HK$82,102
baseline
▲ 0.50% · 4.625%
HK$87,098
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,204/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,948
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,339/mo
Today · 4.125%
HK$90,592
baseline
▲ 0.50% · 4.625%
HK$95,367
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,184/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,331
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,421
−HK$3,139/mo
Today · 4.125%
HK$105,560
baseline
▲ 0.50% · 4.625%
HK$111,983
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,120/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,505
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,469
−HK$3,006/mo
Today · 4.125%
HK$116,475
baseline
▲ 0.50% · 4.625%
HK$122,615
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,950/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,534 · Scale 2, in force from 26 Feb 2026)