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$54,935
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,643
−HK$1,737/mo
Today · 4.125%
HK$58,380
baseline
▲ 0.50% · 4.625%
HK$61,932
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,760/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,114
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,663/mo
Today · 4.125%
HK$64,416
baseline
▲ 0.50% · 4.625%
HK$67,812
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,832/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,972
−HK$2,083/mo
Today · 4.125%
HK$70,055
baseline
▲ 0.50% · 4.625%
HK$74,318
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,110/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,337
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,304
−HK$1,995/mo
Today · 4.125%
HK$77,299
baseline
▲ 0.50% · 4.625%
HK$81,374
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,598/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,909
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,301
−HK$2,430/mo
Today · 4.125%
HK$81,731
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,462/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,560
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,328/mo
Today · 4.125%
HK$90,183
baseline
▲ 0.50% · 4.625%
HK$94,936
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,366/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,882
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,958
−HK$3,125/mo
Today · 4.125%
HK$105,083
baseline
▲ 0.50% · 4.625%
HK$111,477
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,166/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,006
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,956
−HK$2,993/mo
Today · 4.125%
HK$115,949
baseline
▲ 0.50% · 4.625%
HK$122,061
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,898/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,887 · Scale 2, in force from 26 Feb 2026)