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$56,426
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,181
−HK$1,784/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,613
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,774
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,457
−HK$1,708/mo
Today · 4.125%
HK$66,165
baseline
▲ 0.50% · 4.625%
HK$69,653
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,330/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,711
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,818
−HK$2,140/mo
Today · 4.125%
HK$71,958
baseline
▲ 0.50% · 4.625%
HK$76,336
+HK$4,378/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,916/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,328
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,349
−HK$2,049/mo
Today · 4.125%
HK$79,398
baseline
▲ 0.50% · 4.625%
HK$83,583
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,796/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,454
−HK$2,496/mo
Today · 4.125%
HK$83,950
baseline
▲ 0.50% · 4.625%
HK$89,059
+HK$5,109/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,900/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,883
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,240
−HK$2,391/mo
Today · 4.125%
HK$92,631
baseline
▲ 0.50% · 4.625%
HK$97,514
+HK$4,883/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,262/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,567
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,726
−HK$3,210/mo
Today · 4.125%
HK$107,936
baseline
▲ 0.50% · 4.625%
HK$114,504
+HK$6,568/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,872/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,992
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,023
−HK$3,074/mo
Today · 4.125%
HK$119,097
baseline
▲ 0.50% · 4.625%
HK$125,375
+HK$6,278/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,194/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,687 · Scale 2, in force from 26 Feb 2026)