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$54,755
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,459
−HK$1,730/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,730
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,915
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,549
−HK$1,657/mo
Today · 4.125%
HK$64,206
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,412/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,706
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,750
−HK$2,077/mo
Today · 4.125%
HK$69,827
baseline
▲ 0.50% · 4.625%
HK$74,076
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,654/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,098
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,058
−HK$1,989/mo
Today · 4.125%
HK$77,047
baseline
▲ 0.50% · 4.625%
HK$81,108
+HK$4,061/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,094/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,658
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,042
−HK$2,423/mo
Today · 4.125%
HK$81,465
baseline
▲ 0.50% · 4.625%
HK$86,422
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,930/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,281
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,568
−HK$2,320/mo
Today · 4.125%
HK$89,888
baseline
▲ 0.50% · 4.625%
HK$94,626
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,776/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,560
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,625
−HK$3,115/mo
Today · 4.125%
HK$104,740
baseline
▲ 0.50% · 4.625%
HK$111,113
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,480/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,647
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,587
−HK$2,984/mo
Today · 4.125%
HK$115,571
baseline
▲ 0.50% · 4.625%
HK$121,662
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,142/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,545 · Scale 2, in force from 26 Feb 2026)