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$54,952
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,661
−HK$1,737/mo
Today · 4.125%
HK$58,398
baseline
▲ 0.50% · 4.625%
HK$61,951
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,796/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,133
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,773
−HK$1,663/mo
Today · 4.125%
HK$64,436
baseline
▲ 0.50% · 4.625%
HK$67,832
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,872/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,942
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,993
−HK$2,084/mo
Today · 4.125%
HK$70,077
baseline
▲ 0.50% · 4.625%
HK$74,341
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,154/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,360
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,327
−HK$1,996/mo
Today · 4.125%
HK$77,323
baseline
▲ 0.50% · 4.625%
HK$81,399
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,646/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,932
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,325
−HK$2,432/mo
Today · 4.125%
HK$81,757
baseline
▲ 0.50% · 4.625%
HK$86,731
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,514/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,586
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,882
−HK$2,328/mo
Today · 4.125%
HK$90,210
baseline
▲ 0.50% · 4.625%
HK$94,965
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,420/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,913
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,990
−HK$3,126/mo
Today · 4.125%
HK$105,116
baseline
▲ 0.50% · 4.625%
HK$111,512
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,232/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,040
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,991
−HK$2,994/mo
Today · 4.125%
HK$115,985
baseline
▲ 0.50% · 4.625%
HK$122,098
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,970/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,202 · Scale 2, in force from 26 Feb 2026)