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$55,676
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,408
−HK$1,760/mo
Today · 4.125%
HK$59,168
baseline
▲ 0.50% · 4.625%
HK$62,768
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,336/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,601
−HK$1,685/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,890
−HK$2,111/mo
Today · 4.125%
HK$71,001
baseline
▲ 0.50% · 4.625%
HK$75,322
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,002/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,327
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,321
−HK$2,022/mo
Today · 4.125%
HK$78,343
baseline
▲ 0.50% · 4.625%
HK$82,473
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,686/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,947
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,463/mo
Today · 4.125%
HK$82,835
baseline
▲ 0.50% · 4.625%
HK$87,875
+HK$5,040/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,670/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,715
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,041
−HK$2,359/mo
Today · 4.125%
HK$91,400
baseline
▲ 0.50% · 4.625%
HK$96,218
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,800/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,217
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,335
−HK$3,167/mo
Today · 4.125%
HK$106,502
baseline
▲ 0.50% · 4.625%
HK$112,982
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,004/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,491
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,481
−HK$3,033/mo
Today · 4.125%
HK$117,514
baseline
▲ 0.50% · 4.625%
HK$123,709
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,028/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,711 · Scale 2, in force from 26 Feb 2026)