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$54,880
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,734/mo
Today · 4.125%
HK$58,321
baseline
▲ 0.50% · 4.625%
HK$61,870
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,642/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,053
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,691
−HK$1,661/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$67,744
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,856
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,904
−HK$2,082/mo
Today · 4.125%
HK$69,986
baseline
▲ 0.50% · 4.625%
HK$74,244
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,972/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,264
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,229
−HK$1,993/mo
Today · 4.125%
HK$77,222
baseline
▲ 0.50% · 4.625%
HK$81,293
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,444/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,832
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,428/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$86,618
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,767
−HK$2,326/mo
Today · 4.125%
HK$90,093
baseline
▲ 0.50% · 4.625%
HK$94,841
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,186/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,784
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,857
−HK$3,121/mo
Today · 4.125%
HK$104,978
baseline
▲ 0.50% · 4.625%
HK$111,366
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,956/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,896
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,843
−HK$2,990/mo
Today · 4.125%
HK$115,833
baseline
▲ 0.50% · 4.625%
HK$121,939
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,666/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,866 · Scale 2, in force from 26 Feb 2026)