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$56,049
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,771/mo
Today · 4.125%
HK$59,564
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,128/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,354
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,027
−HK$1,696/mo
Today · 4.125%
HK$65,723
baseline
▲ 0.50% · 4.625%
HK$69,187
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,446/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,259
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,351
−HK$2,126/mo
Today · 4.125%
HK$71,477
baseline
▲ 0.50% · 4.625%
HK$75,826
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,954/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,825
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,832
−HK$2,036/mo
Today · 4.125%
HK$78,868
baseline
▲ 0.50% · 4.625%
HK$83,025
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,736/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,469
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,910
−HK$2,480/mo
Today · 4.125%
HK$83,390
baseline
▲ 0.50% · 4.625%
HK$88,464
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$166,780/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,296
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,637
−HK$2,375/mo
Today · 4.125%
HK$92,012
baseline
▲ 0.50% · 4.625%
HK$96,862
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$184,024/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,889
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,027
−HK$3,188/mo
Today · 4.125%
HK$107,215
baseline
▲ 0.50% · 4.625%
HK$113,739
+HK$6,524/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,430/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,238
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,248
−HK$3,053/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$124,537
+HK$6,236/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,661 · Scale 2, in force from 26 Feb 2026)