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$56,889
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,659
−HK$1,798/mo
Today · 4.125%
HK$60,457
baseline
▲ 0.50% · 4.625%
HK$64,136
+HK$3,679/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,914/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,289
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,986
−HK$1,722/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,224
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,267
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,391
−HK$2,157/mo
Today · 4.125%
HK$72,548
baseline
▲ 0.50% · 4.625%
HK$76,963
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,096/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,947
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,984
−HK$2,066/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,269
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,645
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,123
−HK$2,517/mo
Today · 4.125%
HK$84,640
baseline
▲ 0.50% · 4.625%
HK$89,790
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,280/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,604
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,981
−HK$2,410/mo
Today · 4.125%
HK$93,391
baseline
▲ 0.50% · 4.625%
HK$98,314
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,782/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,401
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,586
−HK$3,236/mo
Today · 4.125%
HK$108,822
baseline
▲ 0.50% · 4.625%
HK$115,444
+HK$6,622/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,644/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,920
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,975
−HK$3,100/mo
Today · 4.125%
HK$120,075
baseline
▲ 0.50% · 4.625%
HK$126,404
+HK$6,329/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,150/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,320 · Scale 2, in force from 26 Feb 2026)