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$54,921
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,736/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,738
−HK$1,662/mo
Today · 4.125%
HK$64,400
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,800/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,905
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,955
−HK$2,083/mo
Today · 4.125%
HK$70,038
baseline
▲ 0.50% · 4.625%
HK$74,299
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,076/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,319
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,285
−HK$1,995/mo
Today · 4.125%
HK$77,280
baseline
▲ 0.50% · 4.625%
HK$81,353
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,560/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,889
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,281
−HK$2,430/mo
Today · 4.125%
HK$81,711
baseline
▲ 0.50% · 4.625%
HK$86,683
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,422/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,538
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,833
−HK$2,327/mo
Today · 4.125%
HK$90,160
baseline
▲ 0.50% · 4.625%
HK$94,912
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,320/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,858
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,933
−HK$3,124/mo
Today · 4.125%
HK$105,057
baseline
▲ 0.50% · 4.625%
HK$111,449
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,114/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,978
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,928
−HK$2,992/mo
Today · 4.125%
HK$115,920
baseline
▲ 0.50% · 4.625%
HK$122,030
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,840/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,629 · Scale 2, in force from 26 Feb 2026)