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$56,605
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,365
−HK$1,789/mo
Today · 4.125%
HK$60,154
baseline
▲ 0.50% · 4.625%
HK$63,814
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,308/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,972
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,713/mo
Today · 4.125%
HK$66,374
baseline
▲ 0.50% · 4.625%
HK$69,873
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,748/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,926
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,038
−HK$2,147/mo
Today · 4.125%
HK$72,185
baseline
▲ 0.50% · 4.625%
HK$76,577
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,370/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,566
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,593
−HK$2,056/mo
Today · 4.125%
HK$79,649
baseline
▲ 0.50% · 4.625%
HK$83,848
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,298/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,246
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,711
−HK$2,505/mo
Today · 4.125%
HK$84,216
baseline
▲ 0.50% · 4.625%
HK$89,340
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,432/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,161
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,525
−HK$2,399/mo
Today · 4.125%
HK$92,924
baseline
▲ 0.50% · 4.625%
HK$97,822
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,848/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,888
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,058
−HK$3,220/mo
Today · 4.125%
HK$108,278
baseline
▲ 0.50% · 4.625%
HK$114,866
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,556/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,350
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,390
−HK$3,084/mo
Today · 4.125%
HK$119,474
baseline
▲ 0.50% · 4.625%
HK$125,771
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,948/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,012 · Scale 2, in force from 26 Feb 2026)