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$56,721
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,485
−HK$1,792/mo
Today · 4.125%
HK$60,277
baseline
▲ 0.50% · 4.625%
HK$63,945
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,554/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,101
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,793
−HK$1,717/mo
Today · 4.125%
HK$66,510
baseline
▲ 0.50% · 4.625%
HK$70,016
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,020/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,182
−HK$2,151/mo
Today · 4.125%
HK$72,333
baseline
▲ 0.50% · 4.625%
HK$76,734
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,666/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,721
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,752
−HK$2,060/mo
Today · 4.125%
HK$79,812
baseline
▲ 0.50% · 4.625%
HK$84,019
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,624/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,409
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,879
−HK$2,509/mo
Today · 4.125%
HK$84,388
baseline
▲ 0.50% · 4.625%
HK$89,523
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,776/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,342
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,711
−HK$2,403/mo
Today · 4.125%
HK$93,114
baseline
▲ 0.50% · 4.625%
HK$98,023
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,228/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,097
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,273
−HK$3,226/mo
Today · 4.125%
HK$108,499
baseline
▲ 0.50% · 4.625%
HK$115,101
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,998/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,582
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,628
−HK$3,090/mo
Today · 4.125%
HK$119,718
baseline
▲ 0.50% · 4.625%
HK$126,029
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,436/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,174 · Scale 2, in force from 26 Feb 2026)