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$55,836
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,573
−HK$1,765/mo
Today · 4.125%
HK$59,338
baseline
▲ 0.50% · 4.625%
HK$62,948
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,676/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,117
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,783
−HK$1,690/mo
Today · 4.125%
HK$65,473
baseline
▲ 0.50% · 4.625%
HK$68,925
+HK$3,452/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,946/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,004
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,088
−HK$2,117/mo
Today · 4.125%
HK$71,205
baseline
▲ 0.50% · 4.625%
HK$75,538
+HK$4,333/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,410/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,541
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,540
−HK$2,028/mo
Today · 4.125%
HK$78,568
baseline
▲ 0.50% · 4.625%
HK$82,709
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,136/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,171
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,602
−HK$2,471/mo
Today · 4.125%
HK$83,073
baseline
▲ 0.50% · 4.625%
HK$88,128
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,146/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,964
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,297
−HK$2,366/mo
Today · 4.125%
HK$91,663
baseline
▲ 0.50% · 4.625%
HK$96,494
+HK$4,831/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,326/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,505
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,632
−HK$3,176/mo
Today · 4.125%
HK$106,808
baseline
▲ 0.50% · 4.625%
HK$113,307
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,616/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,811
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,810
−HK$3,042/mo
Today · 4.125%
HK$117,852
baseline
▲ 0.50% · 4.625%
HK$124,064
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,704/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,692 · Scale 2, in force from 26 Feb 2026)