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$56,352
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,781/mo
Today · 4.125%
HK$59,886
baseline
▲ 0.50% · 4.625%
HK$63,529
+HK$3,643/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,772/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,691
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,372
−HK$1,706/mo
Today · 4.125%
HK$66,078
baseline
▲ 0.50% · 4.625%
HK$69,561
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,156/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,622
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$2,137/mo
Today · 4.125%
HK$71,863
baseline
▲ 0.50% · 4.625%
HK$76,235
+HK$4,372/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,726/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,229
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,247
−HK$2,046/mo
Today · 4.125%
HK$79,293
baseline
▲ 0.50% · 4.625%
HK$83,473
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,586/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,892
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,346
−HK$2,494/mo
Today · 4.125%
HK$83,840
baseline
▲ 0.50% · 4.625%
HK$88,941
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,680/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,767
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,121
−HK$2,388/mo
Today · 4.125%
HK$92,509
baseline
▲ 0.50% · 4.625%
HK$97,385
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,018/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,433
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,588
−HK$3,206/mo
Today · 4.125%
HK$107,794
baseline
▲ 0.50% · 4.625%
HK$114,353
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,588/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,843
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,870
−HK$3,070/mo
Today · 4.125%
HK$118,940
baseline
▲ 0.50% · 4.625%
HK$125,209
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,880/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,299 · Scale 2, in force from 26 Feb 2026)