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$55,495
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,221
−HK$1,754/mo
Today · 4.125%
HK$58,975
baseline
▲ 0.50% · 4.625%
HK$62,564
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,950/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,738
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,394
−HK$1,679/mo
Today · 4.125%
HK$65,073
baseline
▲ 0.50% · 4.625%
HK$68,504
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,146/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,594
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,666
−HK$2,104/mo
Today · 4.125%
HK$70,770
baseline
▲ 0.50% · 4.625%
HK$75,077
+HK$4,307/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,540/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,085
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,072
−HK$2,016/mo
Today · 4.125%
HK$78,088
baseline
▲ 0.50% · 4.625%
HK$82,204
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,176/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,693
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,110
−HK$2,455/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$87,589
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,433
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,751
−HK$2,352/mo
Today · 4.125%
HK$91,103
baseline
▲ 0.50% · 4.625%
HK$95,905
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,206/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,891
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$102,999
−HK$3,157/mo
Today · 4.125%
HK$106,156
baseline
▲ 0.50% · 4.625%
HK$112,615
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,312/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,128
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,109
−HK$3,023/mo
Today · 4.125%
HK$117,132
baseline
▲ 0.50% · 4.625%
HK$123,306
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,264/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,335 · Scale 2, in force from 26 Feb 2026)