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$55,726
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,459
−HK$1,761/mo
Today · 4.125%
HK$59,220
baseline
▲ 0.50% · 4.625%
HK$62,823
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,440/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,994
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,657
−HK$1,687/mo
Today · 4.125%
HK$65,344
baseline
▲ 0.50% · 4.625%
HK$68,788
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,688/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,871
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,951
−HK$2,113/mo
Today · 4.125%
HK$71,064
baseline
▲ 0.50% · 4.625%
HK$75,388
+HK$4,324/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,128/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,393
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,388
−HK$2,024/mo
Today · 4.125%
HK$78,412
baseline
▲ 0.50% · 4.625%
HK$82,545
+HK$4,133/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,824/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,016
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,443
−HK$2,465/mo
Today · 4.125%
HK$82,908
baseline
▲ 0.50% · 4.625%
HK$87,953
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,816/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,792
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,120
−HK$2,361/mo
Today · 4.125%
HK$91,481
baseline
▲ 0.50% · 4.625%
HK$96,303
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,962/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,306
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,426
−HK$3,170/mo
Today · 4.125%
HK$106,596
baseline
▲ 0.50% · 4.625%
HK$113,082
+HK$6,486/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,192/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,589
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,582
−HK$3,036/mo
Today · 4.125%
HK$117,618
baseline
▲ 0.50% · 4.625%
HK$123,818
+HK$6,200/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,236/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,628 · Scale 2, in force from 26 Feb 2026)