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$55,720
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,453
−HK$1,761/mo
Today · 4.125%
HK$59,214
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,428/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,988
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,650
−HK$1,687/mo
Today · 4.125%
HK$65,337
baseline
▲ 0.50% · 4.625%
HK$68,781
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,674/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,864
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,944
−HK$2,113/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,114/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,024/mo
Today · 4.125%
HK$78,404
baseline
▲ 0.50% · 4.625%
HK$82,537
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,808/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,434
−HK$2,466/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,944
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,783
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,110
−HK$2,362/mo
Today · 4.125%
HK$91,472
baseline
▲ 0.50% · 4.625%
HK$96,293
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,944/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,296
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,416
−HK$3,169/mo
Today · 4.125%
HK$106,585
baseline
▲ 0.50% · 4.625%
HK$113,071
+HK$6,486/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,170/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,578
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,570
−HK$3,036/mo
Today · 4.125%
HK$117,606
baseline
▲ 0.50% · 4.625%
HK$123,805
+HK$6,199/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,212/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,522 · Scale 2, in force from 26 Feb 2026)