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$55,864
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,602
−HK$1,766/mo
Today · 4.125%
HK$59,368
baseline
▲ 0.50% · 4.625%
HK$62,980
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,736/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,149
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,815
−HK$1,691/mo
Today · 4.125%
HK$65,506
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,012/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,037
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,122
−HK$2,119/mo
Today · 4.125%
HK$71,241
baseline
▲ 0.50% · 4.625%
HK$75,576
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,482/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,578
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,578
−HK$2,030/mo
Today · 4.125%
HK$78,608
baseline
▲ 0.50% · 4.625%
HK$82,751
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,216/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,210
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,643
−HK$2,472/mo
Today · 4.125%
HK$83,115
baseline
▲ 0.50% · 4.625%
HK$88,172
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,230/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,008
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,341
−HK$2,368/mo
Today · 4.125%
HK$91,709
baseline
▲ 0.50% · 4.625%
HK$96,543
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,418/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,556
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,684
−HK$3,178/mo
Today · 4.125%
HK$106,862
baseline
▲ 0.50% · 4.625%
HK$113,364
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,724/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,867
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,868
−HK$3,043/mo
Today · 4.125%
HK$117,911
baseline
▲ 0.50% · 4.625%
HK$124,127
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,822/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,215 · Scale 2, in force from 26 Feb 2026)