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$56,631
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,393
−HK$1,790/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,845
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,002
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,691
−HK$1,715/mo
Today · 4.125%
HK$66,406
baseline
▲ 0.50% · 4.625%
HK$69,906
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,812/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,958
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$2,148/mo
Today · 4.125%
HK$72,219
baseline
▲ 0.50% · 4.625%
HK$76,613
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,438/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,602
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,630
−HK$2,057/mo
Today · 4.125%
HK$79,687
baseline
▲ 0.50% · 4.625%
HK$83,887
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,374/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,284
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,750
−HK$2,506/mo
Today · 4.125%
HK$84,256
baseline
▲ 0.50% · 4.625%
HK$89,382
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,512/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,203
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,568
−HK$2,400/mo
Today · 4.125%
HK$92,968
baseline
▲ 0.50% · 4.625%
HK$97,868
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,936/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,936
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,107
−HK$3,222/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,920
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,403
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,445
−HK$3,085/mo
Today · 4.125%
HK$119,530
baseline
▲ 0.50% · 4.625%
HK$125,831
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,060/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,510 · Scale 2, in force from 26 Feb 2026)