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$54,878
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,585
−HK$1,735/mo
Today · 4.125%
HK$58,320
baseline
▲ 0.50% · 4.625%
HK$61,868
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,640/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,052
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,661/mo
Today · 4.125%
HK$64,350
baseline
▲ 0.50% · 4.625%
HK$67,742
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,700/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,854
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,902
−HK$2,082/mo
Today · 4.125%
HK$69,984
baseline
▲ 0.50% · 4.625%
HK$74,242
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,968/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,262
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,227
−HK$1,993/mo
Today · 4.125%
HK$77,220
baseline
▲ 0.50% · 4.625%
HK$81,290
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,440/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,830
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,219
−HK$2,428/mo
Today · 4.125%
HK$81,647
baseline
▲ 0.50% · 4.625%
HK$86,616
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,294/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,472
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,764
−HK$2,326/mo
Today · 4.125%
HK$90,090
baseline
▲ 0.50% · 4.625%
HK$94,839
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,180/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,781
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,854
−HK$3,121/mo
Today · 4.125%
HK$104,975
baseline
▲ 0.50% · 4.625%
HK$111,363
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,950/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,893
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,840
−HK$2,990/mo
Today · 4.125%
HK$115,830
baseline
▲ 0.50% · 4.625%
HK$121,935
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,660/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,836 · Scale 2, in force from 26 Feb 2026)