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$55,743
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,762/mo
Today · 4.125%
HK$59,239
baseline
▲ 0.50% · 4.625%
HK$62,843
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,478/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,014
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,677
−HK$1,687/mo
Today · 4.125%
HK$65,364
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,728/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,892
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$2,114/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$75,412
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,412
−HK$2,025/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$82,571
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,874/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,468
−HK$2,466/mo
Today · 4.125%
HK$82,934
baseline
▲ 0.50% · 4.625%
HK$87,980
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,868/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,819
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,147
−HK$2,363/mo
Today · 4.125%
HK$91,510
baseline
▲ 0.50% · 4.625%
HK$96,333
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,020/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,337
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,459
−HK$3,170/mo
Today · 4.125%
HK$106,629
baseline
▲ 0.50% · 4.625%
HK$113,118
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,258/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,624
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,618
−HK$3,037/mo
Today · 4.125%
HK$117,655
baseline
▲ 0.50% · 4.625%
HK$123,857
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,310/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,953 · Scale 2, in force from 26 Feb 2026)