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$54,969
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,738/mo
Today · 4.125%
HK$58,416
baseline
▲ 0.50% · 4.625%
HK$61,970
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,832/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,152
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,792
−HK$1,664/mo
Today · 4.125%
HK$64,456
baseline
▲ 0.50% · 4.625%
HK$67,853
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,912/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$2,085/mo
Today · 4.125%
HK$70,099
baseline
▲ 0.50% · 4.625%
HK$74,364
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,198/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,382
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,351
−HK$1,996/mo
Today · 4.125%
HK$77,347
baseline
▲ 0.50% · 4.625%
HK$81,424
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,694/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,956
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,350
−HK$2,432/mo
Today · 4.125%
HK$81,782
baseline
▲ 0.50% · 4.625%
HK$86,758
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,564/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,909
−HK$2,329/mo
Today · 4.125%
HK$90,238
baseline
▲ 0.50% · 4.625%
HK$94,995
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,476/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,944
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,021
−HK$3,127/mo
Today · 4.125%
HK$105,148
baseline
▲ 0.50% · 4.625%
HK$111,546
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,296/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,074
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,026
−HK$2,995/mo
Today · 4.125%
HK$116,021
baseline
▲ 0.50% · 4.625%
HK$122,136
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,042/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,520 · Scale 2, in force from 26 Feb 2026)