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$56,843
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,611
−HK$1,797/mo
Today · 4.125%
HK$60,408
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,676/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,816/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,238
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,720/mo
Today · 4.125%
HK$66,654
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$3,514/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,308/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,212
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,334
−HK$2,155/mo
Today · 4.125%
HK$72,489
baseline
▲ 0.50% · 4.625%
HK$76,900
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,978/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,885
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,065/mo
Today · 4.125%
HK$79,985
baseline
▲ 0.50% · 4.625%
HK$84,201
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,970/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,581
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,515/mo
Today · 4.125%
HK$84,571
baseline
▲ 0.50% · 4.625%
HK$89,717
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,142/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,533
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,907
−HK$2,409/mo
Today · 4.125%
HK$93,316
baseline
▲ 0.50% · 4.625%
HK$98,235
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,632/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,318
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,501
−HK$3,233/mo
Today · 4.125%
HK$108,734
baseline
▲ 0.50% · 4.625%
HK$115,350
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,468/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,828
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,880
−HK$3,097/mo
Today · 4.125%
HK$119,977
baseline
▲ 0.50% · 4.625%
HK$126,302
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,954/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,460 · Scale 2, in force from 26 Feb 2026)