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$54,960
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,669
−HK$1,737/mo
Today · 4.125%
HK$58,406
baseline
▲ 0.50% · 4.625%
HK$61,960
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,812/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,142
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,782
−HK$1,663/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,952
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$2,084/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$74,352
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,371
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,338
−HK$1,997/mo
Today · 4.125%
HK$77,335
baseline
▲ 0.50% · 4.625%
HK$81,411
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,670/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,944
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,337
−HK$2,432/mo
Today · 4.125%
HK$81,769
baseline
▲ 0.50% · 4.625%
HK$86,744
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,538/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,599
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,895
−HK$2,329/mo
Today · 4.125%
HK$90,224
baseline
▲ 0.50% · 4.625%
HK$94,979
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,448/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,928
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,005
−HK$3,126/mo
Today · 4.125%
HK$105,131
baseline
▲ 0.50% · 4.625%
HK$111,528
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,262/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,056
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,008
−HK$2,994/mo
Today · 4.125%
HK$116,002
baseline
▲ 0.50% · 4.625%
HK$122,116
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,004/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,354 · Scale 2, in force from 26 Feb 2026)