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$54,874
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,735/mo
Today · 4.125%
HK$58,316
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,632/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,047
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,685
−HK$1,661/mo
Today · 4.125%
HK$64,346
baseline
▲ 0.50% · 4.625%
HK$67,737
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,692/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,849
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,898
−HK$2,081/mo
Today · 4.125%
HK$69,979
baseline
▲ 0.50% · 4.625%
HK$74,237
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,958/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,257
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,221
−HK$1,994/mo
Today · 4.125%
HK$77,215
baseline
▲ 0.50% · 4.625%
HK$81,285
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,430/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,824
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,214
−HK$2,428/mo
Today · 4.125%
HK$81,642
baseline
▲ 0.50% · 4.625%
HK$86,610
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,284/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,466
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,758
−HK$2,326/mo
Today · 4.125%
HK$90,084
baseline
▲ 0.50% · 4.625%
HK$94,832
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,168/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,774
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,847
−HK$3,121/mo
Today · 4.125%
HK$104,968
baseline
▲ 0.50% · 4.625%
HK$111,355
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,936/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,885
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,832
−HK$2,990/mo
Today · 4.125%
HK$115,822
baseline
▲ 0.50% · 4.625%
HK$121,927
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,644/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,765 · Scale 2, in force from 26 Feb 2026)