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$54,889
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,596
−HK$1,735/mo
Today · 4.125%
HK$58,331
baseline
▲ 0.50% · 4.625%
HK$61,880
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,662/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,063
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,701
−HK$1,661/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$67,755
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,866
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,915
−HK$2,082/mo
Today · 4.125%
HK$69,997
baseline
▲ 0.50% · 4.625%
HK$74,256
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,994/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,276
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,241
−HK$1,994/mo
Today · 4.125%
HK$77,235
baseline
▲ 0.50% · 4.625%
HK$81,306
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,470/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,844
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,234
−HK$2,429/mo
Today · 4.125%
HK$81,663
baseline
▲ 0.50% · 4.625%
HK$86,632
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,326/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,488
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,781
−HK$2,326/mo
Today · 4.125%
HK$90,107
baseline
▲ 0.50% · 4.625%
HK$94,857
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,214/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,800
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,873
−HK$3,122/mo
Today · 4.125%
HK$104,995
baseline
▲ 0.50% · 4.625%
HK$111,384
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,914
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,861
−HK$2,991/mo
Today · 4.125%
HK$115,852
baseline
▲ 0.50% · 4.625%
HK$121,959
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,704/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,029 · Scale 2, in force from 26 Feb 2026)