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$56,783
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,795/mo
Today · 4.125%
HK$60,344
baseline
▲ 0.50% · 4.625%
HK$64,016
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,688/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,171
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,718/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,093
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,140
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,259
−HK$2,154/mo
Today · 4.125%
HK$72,413
baseline
▲ 0.50% · 4.625%
HK$76,819
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,826/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,805
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,838
−HK$2,062/mo
Today · 4.125%
HK$79,900
baseline
▲ 0.50% · 4.625%
HK$84,112
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,800/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,496
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,969
−HK$2,512/mo
Today · 4.125%
HK$84,481
baseline
▲ 0.50% · 4.625%
HK$89,622
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,962/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,439
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,811
−HK$2,406/mo
Today · 4.125%
HK$93,217
baseline
▲ 0.50% · 4.625%
HK$98,130
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,434/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,210
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,389
−HK$3,230/mo
Today · 4.125%
HK$108,619
baseline
▲ 0.50% · 4.625%
HK$115,228
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,238/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,707
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,757
−HK$3,093/mo
Today · 4.125%
HK$119,850
baseline
▲ 0.50% · 4.625%
HK$126,168
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,700/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,338 · Scale 2, in force from 26 Feb 2026)