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$56,836
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,796/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$64,076
+HK$3,676/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,230
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,926
−HK$1,720/mo
Today · 4.125%
HK$66,646
baseline
▲ 0.50% · 4.625%
HK$70,159
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,292/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,204
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,325
−HK$2,156/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,891
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,876
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,911
−HK$2,064/mo
Today · 4.125%
HK$79,975
baseline
▲ 0.50% · 4.625%
HK$84,191
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,950/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,571
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,046
−HK$2,515/mo
Today · 4.125%
HK$84,561
baseline
▲ 0.50% · 4.625%
HK$89,706
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,122/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,522
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,896
−HK$2,408/mo
Today · 4.125%
HK$93,304
baseline
▲ 0.50% · 4.625%
HK$98,223
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,608/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,305
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,488
−HK$3,233/mo
Today · 4.125%
HK$108,721
baseline
▲ 0.50% · 4.625%
HK$115,336
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,442/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,814
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,866
−HK$3,097/mo
Today · 4.125%
HK$119,963
baseline
▲ 0.50% · 4.625%
HK$126,286
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,926/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,330 · Scale 2, in force from 26 Feb 2026)