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$55,144
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,742/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,669/mo
Today · 4.125%
HK$64,662
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,324/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,173
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$2,092/mo
Today · 4.125%
HK$70,323
baseline
▲ 0.50% · 4.625%
HK$74,602
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,646/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,617
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,591
−HK$2,003/mo
Today · 4.125%
HK$77,594
baseline
▲ 0.50% · 4.625%
HK$81,684
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,188/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,202
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,603
−HK$2,440/mo
Today · 4.125%
HK$82,043
baseline
▲ 0.50% · 4.625%
HK$87,035
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,086/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,886
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,190
−HK$2,337/mo
Today · 4.125%
HK$90,527
baseline
▲ 0.50% · 4.625%
HK$95,298
+HK$4,771/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,054/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,260
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,347
−HK$3,137/mo
Today · 4.125%
HK$105,484
baseline
▲ 0.50% · 4.625%
HK$111,903
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,968/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,425
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,387
−HK$3,004/mo
Today · 4.125%
HK$116,391
baseline
▲ 0.50% · 4.625%
HK$122,526
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,782/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,793 · Scale 2, in force from 26 Feb 2026)