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$55,025
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,737
−HK$1,739/mo
Today · 4.125%
HK$58,476
baseline
▲ 0.50% · 4.625%
HK$62,034
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,952/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,215
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,665/mo
Today · 4.125%
HK$64,522
baseline
▲ 0.50% · 4.625%
HK$67,923
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,044/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,030
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,084
−HK$2,087/mo
Today · 4.125%
HK$70,171
baseline
▲ 0.50% · 4.625%
HK$74,441
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,342/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,458
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,428
−HK$1,999/mo
Today · 4.125%
HK$77,427
baseline
▲ 0.50% · 4.625%
HK$81,508
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,854/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,035
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,431
−HK$2,435/mo
Today · 4.125%
HK$81,866
baseline
▲ 0.50% · 4.625%
HK$86,847
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,732/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,701
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,999
−HK$2,332/mo
Today · 4.125%
HK$90,331
baseline
▲ 0.50% · 4.625%
HK$95,093
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,662/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,045
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,126
−HK$3,130/mo
Today · 4.125%
HK$105,256
baseline
▲ 0.50% · 4.625%
HK$111,661
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,512/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,187
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,142
−HK$2,998/mo
Today · 4.125%
HK$116,140
baseline
▲ 0.50% · 4.625%
HK$122,262
+HK$6,122/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,280/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,574 · Scale 2, in force from 26 Feb 2026)