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$55,458
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,753/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,522
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,697
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,679/mo
Today · 4.125%
HK$65,030
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,060/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,550
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,620
−HK$2,103/mo
Today · 4.125%
HK$70,723
baseline
▲ 0.50% · 4.625%
HK$75,026
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,446/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,036
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,022
−HK$2,014/mo
Today · 4.125%
HK$78,036
baseline
▲ 0.50% · 4.625%
HK$82,149
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,072/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,057
−HK$2,453/mo
Today · 4.125%
HK$82,510
baseline
▲ 0.50% · 4.625%
HK$87,531
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,020/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,375
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,692
−HK$2,350/mo
Today · 4.125%
HK$91,042
baseline
▲ 0.50% · 4.625%
HK$95,841
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,084/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,825
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,930
−HK$3,155/mo
Today · 4.125%
HK$106,085
baseline
▲ 0.50% · 4.625%
HK$112,540
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,170/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,054
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,033
−HK$3,021/mo
Today · 4.125%
HK$117,054
baseline
▲ 0.50% · 4.625%
HK$123,224
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,108/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,645 · Scale 2, in force from 26 Feb 2026)