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$54,483
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,178
−HK$1,722/mo
Today · 4.125%
HK$57,900
baseline
▲ 0.50% · 4.625%
HK$61,423
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,800/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,612
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,237
−HK$1,650/mo
Today · 4.125%
HK$63,887
baseline
▲ 0.50% · 4.625%
HK$67,254
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,774/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,380
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,413
−HK$2,067/mo
Today · 4.125%
HK$69,480
baseline
▲ 0.50% · 4.625%
HK$73,707
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,960/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,734
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,685
−HK$1,979/mo
Today · 4.125%
HK$76,664
baseline
▲ 0.50% · 4.625%
HK$80,705
+HK$4,041/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,328/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,276
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,649
−HK$2,411/mo
Today · 4.125%
HK$81,060
baseline
▲ 0.50% · 4.625%
HK$85,992
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,120/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,857
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,132
−HK$2,309/mo
Today · 4.125%
HK$89,441
baseline
▲ 0.50% · 4.625%
HK$94,156
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,882/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,070
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,120
−HK$3,099/mo
Today · 4.125%
HK$104,219
baseline
▲ 0.50% · 4.625%
HK$110,561
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,438/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,101
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,027
−HK$2,969/mo
Today · 4.125%
HK$114,996
baseline
▲ 0.50% · 4.625%
HK$121,057
+HK$6,061/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,992/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,470 · Scale 2, in force from 26 Feb 2026)