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$55,716
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,449
−HK$1,761/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,984
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,646
−HK$1,687/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$68,776
+HK$3,443/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,666/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,859
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,939
−HK$2,113/mo
Today · 4.125%
HK$71,052
baseline
▲ 0.50% · 4.625%
HK$75,376
+HK$4,324/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,104/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,381
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,375
−HK$2,024/mo
Today · 4.125%
HK$78,399
baseline
▲ 0.50% · 4.625%
HK$82,532
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,798/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,003
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,429
−HK$2,465/mo
Today · 4.125%
HK$82,894
baseline
▲ 0.50% · 4.625%
HK$87,938
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,788/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,777
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,105
−HK$2,361/mo
Today · 4.125%
HK$91,466
baseline
▲ 0.50% · 4.625%
HK$96,287
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,932/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,289
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,409
−HK$3,169/mo
Today · 4.125%
HK$106,578
baseline
▲ 0.50% · 4.625%
HK$113,063
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,156/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,571
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,563
−HK$3,036/mo
Today · 4.125%
HK$117,599
baseline
▲ 0.50% · 4.625%
HK$123,797
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,198/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,454 · Scale 2, in force from 26 Feb 2026)