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$55,868
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,606
−HK$1,766/mo
Today · 4.125%
HK$59,372
baseline
▲ 0.50% · 4.625%
HK$62,984
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,744/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,153
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,820
−HK$1,691/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$68,964
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,042
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,127
−HK$2,119/mo
Today · 4.125%
HK$71,246
baseline
▲ 0.50% · 4.625%
HK$75,581
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,492/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,584
−HK$2,029/mo
Today · 4.125%
HK$78,613
baseline
▲ 0.50% · 4.625%
HK$82,757
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,226/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,216
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,648
−HK$2,472/mo
Today · 4.125%
HK$83,120
baseline
▲ 0.50% · 4.625%
HK$88,178
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,240/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,014
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,348
−HK$2,367/mo
Today · 4.125%
HK$91,715
baseline
▲ 0.50% · 4.625%
HK$96,550
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,430/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,563
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,691
−HK$3,178/mo
Today · 4.125%
HK$106,869
baseline
▲ 0.50% · 4.625%
HK$113,372
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,738/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,875
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,876
−HK$3,043/mo
Today · 4.125%
HK$117,919
baseline
▲ 0.50% · 4.625%
HK$124,135
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,838/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,287 · Scale 2, in force from 26 Feb 2026)