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$56,468
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,785/mo
Today · 4.125%
HK$60,009
baseline
▲ 0.50% · 4.625%
HK$63,660
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,018/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,820
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,504
−HK$1,710/mo
Today · 4.125%
HK$66,214
baseline
▲ 0.50% · 4.625%
HK$69,704
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,428/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,761
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,869
−HK$2,141/mo
Today · 4.125%
HK$72,010
baseline
▲ 0.50% · 4.625%
HK$76,392
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,020/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,384
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,405
−HK$2,051/mo
Today · 4.125%
HK$79,456
baseline
▲ 0.50% · 4.625%
HK$83,644
+HK$4,188/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,912/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,055
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,514
−HK$2,498/mo
Today · 4.125%
HK$84,012
baseline
▲ 0.50% · 4.625%
HK$89,124
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,024/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,947
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,306
−HK$2,393/mo
Today · 4.125%
HK$92,699
baseline
▲ 0.50% · 4.625%
HK$97,585
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,398/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,642
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,803
−HK$3,212/mo
Today · 4.125%
HK$108,015
baseline
▲ 0.50% · 4.625%
HK$114,588
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,030/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,075
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,108
−HK$3,076/mo
Today · 4.125%
HK$119,184
baseline
▲ 0.50% · 4.625%
HK$125,467
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,368/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,457 · Scale 2, in force from 26 Feb 2026)