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$55,334
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,056
−HK$1,748/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,579/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,559
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,210
−HK$1,675/mo
Today · 4.125%
HK$64,885
baseline
▲ 0.50% · 4.625%
HK$68,305
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,770/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,401
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,467
−HK$2,098/mo
Today · 4.125%
HK$70,565
baseline
▲ 0.50% · 4.625%
HK$74,859
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,130/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,871
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,852
−HK$2,010/mo
Today · 4.125%
HK$77,862
baseline
▲ 0.50% · 4.625%
HK$81,966
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,724/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,468
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,878
−HK$2,448/mo
Today · 4.125%
HK$82,326
baseline
▲ 0.50% · 4.625%
HK$87,336
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,652/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,183
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,494
−HK$2,345/mo
Today · 4.125%
HK$90,839
baseline
▲ 0.50% · 4.625%
HK$95,627
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,678/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,602
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,700
−HK$3,148/mo
Today · 4.125%
HK$105,848
baseline
▲ 0.50% · 4.625%
HK$112,289
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,696/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,806
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,778
−HK$3,015/mo
Today · 4.125%
HK$116,793
baseline
▲ 0.50% · 4.625%
HK$122,949
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,586/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,339 · Scale 2, in force from 26 Feb 2026)