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$56,380
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,133
−HK$1,782/mo
Today · 4.125%
HK$59,915
baseline
▲ 0.50% · 4.625%
HK$63,561
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,830/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,722
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,404
−HK$1,706/mo
Today · 4.125%
HK$66,110
baseline
▲ 0.50% · 4.625%
HK$69,595
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,220/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,656
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,760
−HK$2,138/mo
Today · 4.125%
HK$71,898
baseline
▲ 0.50% · 4.625%
HK$76,273
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,796/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,266
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,285
−HK$2,048/mo
Today · 4.125%
HK$79,333
baseline
▲ 0.50% · 4.625%
HK$83,514
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,666/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,932
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,494/mo
Today · 4.125%
HK$83,881
baseline
▲ 0.50% · 4.625%
HK$88,985
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,762/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,811
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,166
−HK$2,389/mo
Today · 4.125%
HK$92,555
baseline
▲ 0.50% · 4.625%
HK$97,433
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,110/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,483
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,640
−HK$3,207/mo
Today · 4.125%
HK$107,847
baseline
▲ 0.50% · 4.625%
HK$114,410
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,694/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,899
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,927
−HK$3,072/mo
Today · 4.125%
HK$118,999
baseline
▲ 0.50% · 4.625%
HK$125,271
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,998/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,819 · Scale 2, in force from 26 Feb 2026)