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$56,171
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,919
−HK$1,775/mo
Today · 4.125%
HK$59,694
baseline
▲ 0.50% · 4.625%
HK$63,326
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,388/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,490
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,166
−HK$1,700/mo
Today · 4.125%
HK$65,866
baseline
▲ 0.50% · 4.625%
HK$69,338
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,732/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,406
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,502
−HK$2,131/mo
Today · 4.125%
HK$71,633
baseline
▲ 0.50% · 4.625%
HK$75,991
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,266/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,988
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$76,999
−HK$2,041/mo
Today · 4.125%
HK$79,040
baseline
▲ 0.50% · 4.625%
HK$83,206
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,080/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,640
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,086
−HK$2,485/mo
Today · 4.125%
HK$83,571
baseline
▲ 0.50% · 4.625%
HK$88,657
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,142/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,486
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,833
−HK$2,380/mo
Today · 4.125%
HK$92,213
baseline
▲ 0.50% · 4.625%
HK$97,073
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,426/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,109
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,254
−HK$3,195/mo
Today · 4.125%
HK$107,449
baseline
▲ 0.50% · 4.625%
HK$113,987
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,898/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,482
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,499
−HK$3,060/mo
Today · 4.125%
HK$118,559
baseline
▲ 0.50% · 4.625%
HK$124,809
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,118/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,938 · Scale 2, in force from 26 Feb 2026)