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$54,546
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,243
−HK$1,723/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,494
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,682
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,309
−HK$1,651/mo
Today · 4.125%
HK$63,960
baseline
▲ 0.50% · 4.625%
HK$67,332
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,920/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,455
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$2,069/mo
Today · 4.125%
HK$69,560
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,120/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,818
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,771
−HK$1,981/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$80,798
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,740
−HK$2,413/mo
Today · 4.125%
HK$81,153
baseline
▲ 0.50% · 4.625%
HK$86,091
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,306/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,954
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,233
−HK$2,311/mo
Today · 4.125%
HK$89,544
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,088/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,183
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,237
−HK$3,103/mo
Today · 4.125%
HK$104,340
baseline
▲ 0.50% · 4.625%
HK$110,688
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,680/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,227
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,157
−HK$2,971/mo
Today · 4.125%
HK$115,128
baseline
▲ 0.50% · 4.625%
HK$121,197
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,256/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,641 · Scale 2, in force from 26 Feb 2026)