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$55,777
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,512
−HK$1,763/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,882
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,052
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,716
−HK$1,688/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$68,852
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,933
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,015
−HK$2,115/mo
Today · 4.125%
HK$71,130
baseline
▲ 0.50% · 4.625%
HK$75,458
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,260/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,462
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,459
−HK$2,026/mo
Today · 4.125%
HK$78,485
baseline
▲ 0.50% · 4.625%
HK$82,622
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,970/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,088
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,517
−HK$2,468/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$88,034
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,872
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,202
−HK$2,364/mo
Today · 4.125%
HK$91,566
baseline
▲ 0.50% · 4.625%
HK$96,392
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,132/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,399
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,522
−HK$3,173/mo
Today · 4.125%
HK$106,695
baseline
▲ 0.50% · 4.625%
HK$113,187
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,390/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,693
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,688
−HK$3,039/mo
Today · 4.125%
HK$117,727
baseline
▲ 0.50% · 4.625%
HK$123,933
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,454/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,590 · Scale 2, in force from 26 Feb 2026)