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$55,804
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,540
−HK$1,764/mo
Today · 4.125%
HK$59,304
baseline
▲ 0.50% · 4.625%
HK$62,912
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,608/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,082
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,747
−HK$1,689/mo
Today · 4.125%
HK$65,436
baseline
▲ 0.50% · 4.625%
HK$68,885
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,872/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,048
−HK$2,116/mo
Today · 4.125%
HK$71,164
baseline
▲ 0.50% · 4.625%
HK$75,494
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,328/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,498
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,496
−HK$2,027/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$82,662
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,126
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,556
−HK$2,469/mo
Today · 4.125%
HK$83,025
baseline
▲ 0.50% · 4.625%
HK$88,077
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,050/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,914
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,245
−HK$2,365/mo
Today · 4.125%
HK$91,610
baseline
▲ 0.50% · 4.625%
HK$96,439
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,220/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,447
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,572
−HK$3,174/mo
Today · 4.125%
HK$106,746
baseline
▲ 0.50% · 4.625%
HK$113,242
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,492/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,747
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,744
−HK$3,040/mo
Today · 4.125%
HK$117,784
baseline
▲ 0.50% · 4.625%
HK$123,993
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,568/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,092 · Scale 2, in force from 26 Feb 2026)