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$54,844
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,550
−HK$1,733/mo
Today · 4.125%
HK$58,283
baseline
▲ 0.50% · 4.625%
HK$61,829
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,566/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,013
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,649
−HK$1,660/mo
Today · 4.125%
HK$64,309
baseline
▲ 0.50% · 4.625%
HK$67,699
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,618/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,812
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,859
−HK$2,080/mo
Today · 4.125%
HK$69,939
baseline
▲ 0.50% · 4.625%
HK$74,195
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,878/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,215
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,179
−HK$1,992/mo
Today · 4.125%
HK$77,171
baseline
▲ 0.50% · 4.625%
HK$81,239
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,342/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,781
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,169
−HK$2,427/mo
Today · 4.125%
HK$81,596
baseline
▲ 0.50% · 4.625%
HK$86,561
+HK$4,965/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,192/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,418
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,709
−HK$2,324/mo
Today · 4.125%
HK$90,033
baseline
▲ 0.50% · 4.625%
HK$94,779
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,066/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,718
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,789
−HK$3,120/mo
Today · 4.125%
HK$104,909
baseline
▲ 0.50% · 4.625%
HK$111,292
+HK$6,383/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,818/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,823
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,769
−HK$2,988/mo
Today · 4.125%
HK$115,757
baseline
▲ 0.50% · 4.625%
HK$121,858
+HK$6,101/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,514/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,189 · Scale 2, in force from 26 Feb 2026)