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$55,079
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,792
−HK$1,741/mo
Today · 4.125%
HK$58,533
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,066/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,275
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,918
−HK$1,667/mo
Today · 4.125%
HK$64,585
baseline
▲ 0.50% · 4.625%
HK$67,989
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,170/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$2,089/mo
Today · 4.125%
HK$70,239
baseline
▲ 0.50% · 4.625%
HK$74,513
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,478/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,529
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,501
−HK$2,001/mo
Today · 4.125%
HK$77,502
baseline
▲ 0.50% · 4.625%
HK$81,587
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,004/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,110
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,509
−HK$2,437/mo
Today · 4.125%
HK$81,946
baseline
▲ 0.50% · 4.625%
HK$86,932
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,892/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,784
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,085
−HK$2,334/mo
Today · 4.125%
HK$90,419
baseline
▲ 0.50% · 4.625%
HK$95,185
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,838/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,142
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,226
−HK$3,133/mo
Today · 4.125%
HK$105,359
baseline
▲ 0.50% · 4.625%
HK$111,770
+HK$6,411/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,718/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,294
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,252
−HK$3,001/mo
Today · 4.125%
HK$116,253
baseline
▲ 0.50% · 4.625%
HK$122,381
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,506/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,572 · Scale 2, in force from 26 Feb 2026)