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$54,798
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,503
−HK$1,732/mo
Today · 4.125%
HK$58,235
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,543/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,470/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,963
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,598
−HK$1,658/mo
Today · 4.125%
HK$64,256
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,512/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,758
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$2,079/mo
Today · 4.125%
HK$69,882
baseline
▲ 0.50% · 4.625%
HK$74,134
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,764/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,155
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,117
−HK$1,990/mo
Today · 4.125%
HK$77,107
baseline
▲ 0.50% · 4.625%
HK$81,172
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,214/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,718
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,104
−HK$2,424/mo
Today · 4.125%
HK$81,528
baseline
▲ 0.50% · 4.625%
HK$86,489
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,056/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,348
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,637
−HK$2,322/mo
Today · 4.125%
HK$89,959
baseline
▲ 0.50% · 4.625%
HK$94,700
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,918/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,637
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,705
−HK$3,117/mo
Today · 4.125%
HK$104,822
baseline
▲ 0.50% · 4.625%
HK$111,201
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,644/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,733
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,676
−HK$2,985/mo
Today · 4.125%
HK$115,661
baseline
▲ 0.50% · 4.625%
HK$121,758
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,322/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,345 · Scale 2, in force from 26 Feb 2026)