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$54,688
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,389
−HK$1,728/mo
Today · 4.125%
HK$58,117
baseline
▲ 0.50% · 4.625%
HK$61,653
+HK$3,536/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,234/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,839
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,471
−HK$1,655/mo
Today · 4.125%
HK$64,126
baseline
▲ 0.50% · 4.625%
HK$67,506
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,252/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,625
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,666
−HK$2,074/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,984
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,965
−HK$1,987/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,008
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,563
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,944
−HK$2,420/mo
Today · 4.125%
HK$81,364
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,728/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,459
−HK$2,318/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$94,509
+HK$4,732/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,438
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,500
−HK$3,110/mo
Today · 4.125%
HK$104,610
baseline
▲ 0.50% · 4.625%
HK$110,976
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,220/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,511
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,448
−HK$2,979/mo
Today · 4.125%
HK$115,427
baseline
▲ 0.50% · 4.625%
HK$121,512
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,854/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,281 · Scale 2, in force from 26 Feb 2026)