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$56,274
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,025
−HK$1,778/mo
Today · 4.125%
HK$59,803
baseline
▲ 0.50% · 4.625%
HK$63,442
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,606/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,605
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,284
−HK$1,703/mo
Today · 4.125%
HK$65,987
baseline
▲ 0.50% · 4.625%
HK$69,465
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,974/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,529
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,630
−HK$2,134/mo
Today · 4.125%
HK$71,764
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,528/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,126
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,141
−HK$2,044/mo
Today · 4.125%
HK$79,185
baseline
▲ 0.50% · 4.625%
HK$83,358
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,370/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,784
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,235
−HK$2,490/mo
Today · 4.125%
HK$83,725
baseline
▲ 0.50% · 4.625%
HK$88,819
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,450/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,647
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,997
−HK$2,385/mo
Today · 4.125%
HK$92,382
baseline
▲ 0.50% · 4.625%
HK$97,252
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,764/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,294
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,445
−HK$3,201/mo
Today · 4.125%
HK$107,646
baseline
▲ 0.50% · 4.625%
HK$114,196
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,292/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,689
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,711
−HK$3,066/mo
Today · 4.125%
HK$118,777
baseline
▲ 0.50% · 4.625%
HK$125,038
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,554/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,858 · Scale 2, in force from 26 Feb 2026)