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$56,576
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,336
−HK$1,788/mo
Today · 4.125%
HK$60,124
baseline
▲ 0.50% · 4.625%
HK$63,783
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,248/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,941
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,629
−HK$1,712/mo
Today · 4.125%
HK$66,341
baseline
▲ 0.50% · 4.625%
HK$69,838
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,682/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,003
−HK$2,146/mo
Today · 4.125%
HK$72,149
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,298/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,554
−HK$2,055/mo
Today · 4.125%
HK$79,609
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,197/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,218/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,207
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,671
−HK$2,503/mo
Today · 4.125%
HK$84,174
baseline
▲ 0.50% · 4.625%
HK$89,296
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,348/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,117
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,480
−HK$2,398/mo
Today · 4.125%
HK$92,878
baseline
▲ 0.50% · 4.625%
HK$97,773
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,756/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,837
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,005
−HK$3,219/mo
Today · 4.125%
HK$108,224
baseline
▲ 0.50% · 4.625%
HK$114,809
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,448/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,293
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,332
−HK$3,082/mo
Today · 4.125%
HK$119,414
baseline
▲ 0.50% · 4.625%
HK$125,709
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,828/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,485 · Scale 2, in force from 26 Feb 2026)