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$56,558
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,788/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,920
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,608
−HK$1,712/mo
Today · 4.125%
HK$66,320
baseline
▲ 0.50% · 4.625%
HK$69,815
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,640/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,870
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$2,145/mo
Today · 4.125%
HK$72,126
baseline
▲ 0.50% · 4.625%
HK$76,514
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,252/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,529
−HK$2,055/mo
Today · 4.125%
HK$79,584
baseline
▲ 0.50% · 4.625%
HK$83,779
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,168/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,503/mo
Today · 4.125%
HK$84,147
baseline
▲ 0.50% · 4.625%
HK$89,267
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,294/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,451
−HK$2,397/mo
Today · 4.125%
HK$92,848
baseline
▲ 0.50% · 4.625%
HK$97,742
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,696/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,805
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,971
−HK$3,218/mo
Today · 4.125%
HK$108,189
baseline
▲ 0.50% · 4.625%
HK$114,772
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,378/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,257
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,294
−HK$3,081/mo
Today · 4.125%
HK$119,375
baseline
▲ 0.50% · 4.625%
HK$125,668
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,750/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,145 · Scale 2, in force from 26 Feb 2026)