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$55,522
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,249
−HK$1,755/mo
Today · 4.125%
HK$59,004
baseline
▲ 0.50% · 4.625%
HK$62,594
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,008/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,768
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,424
−HK$1,681/mo
Today · 4.125%
HK$65,105
baseline
▲ 0.50% · 4.625%
HK$68,537
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,210/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,627
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,699
−HK$2,106/mo
Today · 4.125%
HK$70,805
baseline
▲ 0.50% · 4.625%
HK$75,113
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,610/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,121
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,109
−HK$2,017/mo
Today · 4.125%
HK$78,126
baseline
▲ 0.50% · 4.625%
HK$82,244
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,252/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,731
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,149
−HK$2,456/mo
Today · 4.125%
HK$82,605
baseline
▲ 0.50% · 4.625%
HK$87,632
+HK$5,027/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,210/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,475
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,794
−HK$2,353/mo
Today · 4.125%
HK$91,147
baseline
▲ 0.50% · 4.625%
HK$95,951
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,294/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,049
−HK$3,158/mo
Today · 4.125%
HK$106,207
baseline
▲ 0.50% · 4.625%
HK$112,669
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,414/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,182
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,164
−HK$3,025/mo
Today · 4.125%
HK$117,189
baseline
▲ 0.50% · 4.625%
HK$123,366
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,378/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,837 · Scale 2, in force from 26 Feb 2026)