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$55,615
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,345
−HK$1,758/mo
Today · 4.125%
HK$59,103
baseline
▲ 0.50% · 4.625%
HK$62,699
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,206/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,871
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,530
−HK$1,684/mo
Today · 4.125%
HK$65,214
baseline
▲ 0.50% · 4.625%
HK$68,651
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,428/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,738
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,814
−HK$2,109/mo
Today · 4.125%
HK$70,923
baseline
▲ 0.50% · 4.625%
HK$75,239
+HK$4,316/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$141,846/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,245
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,237
−HK$2,020/mo
Today · 4.125%
HK$78,257
baseline
▲ 0.50% · 4.625%
HK$82,382
+HK$4,125/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$156,514/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,861
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,283
−HK$2,461/mo
Today · 4.125%
HK$82,744
baseline
▲ 0.50% · 4.625%
HK$87,778
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,488/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,620
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,943
−HK$2,356/mo
Today · 4.125%
HK$91,299
baseline
▲ 0.50% · 4.625%
HK$96,112
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,598/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,107
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,221
−HK$3,164/mo
Today · 4.125%
HK$106,385
baseline
▲ 0.50% · 4.625%
HK$112,858
+HK$6,473/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,770/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,368
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,355
−HK$3,030/mo
Today · 4.125%
HK$117,385
baseline
▲ 0.50% · 4.625%
HK$123,572
+HK$6,187/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,770/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,567 · Scale 2, in force from 26 Feb 2026)