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$55,973
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,714
−HK$1,769/mo
Today · 4.125%
HK$59,483
baseline
▲ 0.50% · 4.625%
HK$63,102
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,966/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,269
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,694/mo
Today · 4.125%
HK$65,634
baseline
▲ 0.50% · 4.625%
HK$69,093
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,268/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,168
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,257
−HK$2,123/mo
Today · 4.125%
HK$71,380
baseline
▲ 0.50% · 4.625%
HK$75,723
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,760/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,723
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,727
−HK$2,033/mo
Today · 4.125%
HK$78,760
baseline
▲ 0.50% · 4.625%
HK$82,912
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,520/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,362
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,800
−HK$2,476/mo
Today · 4.125%
HK$83,276
baseline
▲ 0.50% · 4.625%
HK$88,343
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,552/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,177
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,515
−HK$2,372/mo
Today · 4.125%
HK$91,887
baseline
▲ 0.50% · 4.625%
HK$96,731
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,774/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,752
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,885
−HK$3,185/mo
Today · 4.125%
HK$107,070
baseline
▲ 0.50% · 4.625%
HK$113,584
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,140/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,085
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,091
−HK$3,050/mo
Today · 4.125%
HK$118,141
baseline
▲ 0.50% · 4.625%
HK$124,368
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,282/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,241 · Scale 2, in force from 26 Feb 2026)