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$54,857
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,564
−HK$1,734/mo
Today · 4.125%
HK$58,298
baseline
▲ 0.50% · 4.625%
HK$61,845
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,596/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,028
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,665
−HK$1,661/mo
Today · 4.125%
HK$64,326
baseline
▲ 0.50% · 4.625%
HK$67,716
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,652/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,829
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,877
−HK$2,080/mo
Today · 4.125%
HK$69,957
baseline
▲ 0.50% · 4.625%
HK$74,214
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,914/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,234
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,198
−HK$1,993/mo
Today · 4.125%
HK$77,191
baseline
▲ 0.50% · 4.625%
HK$81,260
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,382/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,800
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,189
−HK$2,428/mo
Today · 4.125%
HK$81,617
baseline
▲ 0.50% · 4.625%
HK$86,583
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,234/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,440
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,731
−HK$2,325/mo
Today · 4.125%
HK$90,056
baseline
▲ 0.50% · 4.625%
HK$94,803
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,112/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,815
−HK$3,121/mo
Today · 4.125%
HK$104,936
baseline
▲ 0.50% · 4.625%
HK$111,321
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,872/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,851
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,797
−HK$2,989/mo
Today · 4.125%
HK$115,786
baseline
▲ 0.50% · 4.625%
HK$121,889
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,572/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,448 · Scale 2, in force from 26 Feb 2026)