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$55,004
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,738/mo
Today · 4.125%
HK$58,453
baseline
▲ 0.50% · 4.625%
HK$62,010
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,906/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,191
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,832
−HK$1,665/mo
Today · 4.125%
HK$64,497
baseline
▲ 0.50% · 4.625%
HK$67,897
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,994/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,005
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,058
−HK$2,086/mo
Today · 4.125%
HK$70,144
baseline
▲ 0.50% · 4.625%
HK$74,412
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,288/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,430
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$1,998/mo
Today · 4.125%
HK$77,397
baseline
▲ 0.50% · 4.625%
HK$81,476
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,794/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,005
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,401
−HK$2,433/mo
Today · 4.125%
HK$81,834
baseline
▲ 0.50% · 4.625%
HK$86,814
+HK$4,980/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,668/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,668
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,965
−HK$2,331/mo
Today · 4.125%
HK$90,296
baseline
▲ 0.50% · 4.625%
HK$95,056
+HK$4,760/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,592/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,007
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,087
−HK$3,129/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$111,618
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,144
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,098
−HK$2,997/mo
Today · 4.125%
HK$116,095
baseline
▲ 0.50% · 4.625%
HK$122,215
+HK$6,120/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,190/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,177 · Scale 2, in force from 26 Feb 2026)