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$55,826
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,765/mo
Today · 4.125%
HK$59,327
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,654/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,106
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,771
−HK$1,690/mo
Today · 4.125%
HK$65,461
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,922/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,991
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,075
−HK$2,117/mo
Today · 4.125%
HK$71,192
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,384/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,527
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,028/mo
Today · 4.125%
HK$78,553
baseline
▲ 0.50% · 4.625%
HK$82,694
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,106/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,587
−HK$2,470/mo
Today · 4.125%
HK$83,057
baseline
▲ 0.50% · 4.625%
HK$88,111
+HK$5,054/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,114/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,948
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,280
−HK$2,365/mo
Today · 4.125%
HK$91,645
baseline
▲ 0.50% · 4.625%
HK$96,476
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,290/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,486
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,612
−HK$3,176/mo
Today · 4.125%
HK$106,788
baseline
▲ 0.50% · 4.625%
HK$113,286
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,576/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,790
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,788
−HK$3,042/mo
Today · 4.125%
HK$117,830
baseline
▲ 0.50% · 4.625%
HK$124,041
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,660/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,495 · Scale 2, in force from 26 Feb 2026)