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$56,317
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,068
−HK$1,780/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,490
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,652
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,332
−HK$1,704/mo
Today · 4.125%
HK$66,036
baseline
▲ 0.50% · 4.625%
HK$69,517
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,072/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,580
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,682
−HK$2,136/mo
Today · 4.125%
HK$71,818
baseline
▲ 0.50% · 4.625%
HK$76,188
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,636/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,182
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,198
−HK$2,046/mo
Today · 4.125%
HK$79,244
baseline
▲ 0.50% · 4.625%
HK$83,421
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,488/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,843
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,296
−HK$2,491/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,886
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,712
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,065
−HK$2,386/mo
Today · 4.125%
HK$92,451
baseline
▲ 0.50% · 4.625%
HK$97,324
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,902/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,370
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,523
−HK$3,203/mo
Today · 4.125%
HK$107,726
baseline
▲ 0.50% · 4.625%
HK$114,281
+HK$6,555/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,452/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,773
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,797
−HK$3,069/mo
Today · 4.125%
HK$118,866
baseline
▲ 0.50% · 4.625%
HK$125,131
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,732/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,642 · Scale 2, in force from 26 Feb 2026)