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$55,650
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,759/mo
Today · 4.125%
HK$59,140
baseline
▲ 0.50% · 4.625%
HK$62,739
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,280/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,571
−HK$1,684/mo
Today · 4.125%
HK$65,255
baseline
▲ 0.50% · 4.625%
HK$68,695
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,510/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,780
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,858
−HK$2,110/mo
Today · 4.125%
HK$70,968
baseline
▲ 0.50% · 4.625%
HK$75,286
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,936/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,293
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,285
−HK$2,021/mo
Today · 4.125%
HK$78,306
baseline
▲ 0.50% · 4.625%
HK$82,434
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,612/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,911
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,334
−HK$2,462/mo
Today · 4.125%
HK$82,796
baseline
▲ 0.50% · 4.625%
HK$87,834
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,592/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,675
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,999
−HK$2,358/mo
Today · 4.125%
HK$91,357
baseline
▲ 0.50% · 4.625%
HK$96,173
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,714/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,171
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,287
−HK$3,165/mo
Today · 4.125%
HK$106,452
baseline
▲ 0.50% · 4.625%
HK$112,930
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,904/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,439
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,428
−HK$3,032/mo
Today · 4.125%
HK$117,460
baseline
▲ 0.50% · 4.625%
HK$123,651
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,920/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,227 · Scale 2, in force from 26 Feb 2026)