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$55,148
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,863
−HK$1,743/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,351
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,997
−HK$1,669/mo
Today · 4.125%
HK$64,666
baseline
▲ 0.50% · 4.625%
HK$68,074
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,332/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,177
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,236
−HK$2,091/mo
Today · 4.125%
HK$70,327
baseline
▲ 0.50% · 4.625%
HK$74,606
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,654/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,621
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,596
−HK$2,003/mo
Today · 4.125%
HK$77,599
baseline
▲ 0.50% · 4.625%
HK$81,689
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,198/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,207
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,440/mo
Today · 4.125%
HK$82,048
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,096/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,892
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,195
−HK$2,337/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$95,304
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,266
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,353
−HK$3,138/mo
Today · 4.125%
HK$105,491
baseline
▲ 0.50% · 4.625%
HK$111,909
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,982/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,432
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,394
−HK$3,004/mo
Today · 4.125%
HK$116,398
baseline
▲ 0.50% · 4.625%
HK$122,534
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,796/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,856 · Scale 2, in force from 26 Feb 2026)