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$55,744
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,761/mo
Today · 4.125%
HK$59,239
baseline
▲ 0.50% · 4.625%
HK$62,844
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,478/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,014
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,677
−HK$1,688/mo
Today · 4.125%
HK$65,365
baseline
▲ 0.50% · 4.625%
HK$68,810
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,730/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,892
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,973
−HK$2,114/mo
Today · 4.125%
HK$71,087
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,174/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,417
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,413
−HK$2,025/mo
Today · 4.125%
HK$78,438
baseline
▲ 0.50% · 4.625%
HK$82,572
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,876/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,041
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,469
−HK$2,466/mo
Today · 4.125%
HK$82,935
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,870/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,820
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,363/mo
Today · 4.125%
HK$91,511
baseline
▲ 0.50% · 4.625%
HK$96,334
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,022/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,339
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,460
−HK$3,171/mo
Today · 4.125%
HK$106,631
baseline
▲ 0.50% · 4.625%
HK$113,119
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,262/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,626
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,619
−HK$3,038/mo
Today · 4.125%
HK$117,657
baseline
▲ 0.50% · 4.625%
HK$123,858
+HK$6,201/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,314/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,966 · Scale 2, in force from 26 Feb 2026)