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$55,218
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,936
−HK$1,745/mo
Today · 4.125%
HK$58,681
baseline
▲ 0.50% · 4.625%
HK$62,252
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,362/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,430
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,672/mo
Today · 4.125%
HK$64,749
baseline
▲ 0.50% · 4.625%
HK$68,162
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,498/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,262
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,323
−HK$2,094/mo
Today · 4.125%
HK$70,417
baseline
▲ 0.50% · 4.625%
HK$74,702
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,834/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,716
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,693
−HK$2,005/mo
Today · 4.125%
HK$77,698
baseline
▲ 0.50% · 4.625%
HK$81,794
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,396/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,306
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,710
−HK$2,443/mo
Today · 4.125%
HK$82,153
baseline
▲ 0.50% · 4.625%
HK$87,152
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,306/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,002
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,308
−HK$2,340/mo
Today · 4.125%
HK$90,648
baseline
▲ 0.50% · 4.625%
HK$95,426
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,296/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,393
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,485
−HK$3,141/mo
Today · 4.125%
HK$105,626
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,252/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,574
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,539
−HK$3,009/mo
Today · 4.125%
HK$116,548
baseline
▲ 0.50% · 4.625%
HK$122,691
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,096/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,173 · Scale 2, in force from 26 Feb 2026)