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$56,432
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,188
−HK$1,783/mo
Today · 4.125%
HK$59,971
baseline
▲ 0.50% · 4.625%
HK$63,620
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,942/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,780
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,464
−HK$1,708/mo
Today · 4.125%
HK$66,172
baseline
▲ 0.50% · 4.625%
HK$69,660
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,344/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,719
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$2,140/mo
Today · 4.125%
HK$71,965
baseline
▲ 0.50% · 4.625%
HK$76,344
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,930/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,337
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,050/mo
Today · 4.125%
HK$79,407
baseline
▲ 0.50% · 4.625%
HK$83,592
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,814/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,463
−HK$2,497/mo
Today · 4.125%
HK$83,960
baseline
▲ 0.50% · 4.625%
HK$89,068
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,920/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,893
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,391/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$4,883/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,578
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,738
−HK$3,210/mo
Today · 4.125%
HK$107,948
baseline
▲ 0.50% · 4.625%
HK$114,517
+HK$6,569/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,896/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,005
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,036
−HK$3,074/mo
Today · 4.125%
HK$119,110
baseline
▲ 0.50% · 4.625%
HK$125,389
+HK$6,279/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,220/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,801 · Scale 2, in force from 26 Feb 2026)