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$56,031
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,774
−HK$1,771/mo
Today · 4.125%
HK$59,545
baseline
▲ 0.50% · 4.625%
HK$63,168
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,090/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,334
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,006
−HK$1,696/mo
Today · 4.125%
HK$65,702
baseline
▲ 0.50% · 4.625%
HK$69,165
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,404/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,237
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,329
−HK$2,124/mo
Today · 4.125%
HK$71,453
baseline
▲ 0.50% · 4.625%
HK$75,801
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,906/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,801
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,807
−HK$2,035/mo
Today · 4.125%
HK$78,842
baseline
▲ 0.50% · 4.625%
HK$82,998
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,684/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,443
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,883
−HK$2,479/mo
Today · 4.125%
HK$83,362
baseline
▲ 0.50% · 4.625%
HK$88,435
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,724/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,267
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,608
−HK$2,374/mo
Today · 4.125%
HK$91,982
baseline
▲ 0.50% · 4.625%
HK$96,831
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,964/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,856
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,993
−HK$3,187/mo
Today · 4.125%
HK$107,180
baseline
▲ 0.50% · 4.625%
HK$113,702
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,360/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,201
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,210
−HK$3,053/mo
Today · 4.125%
HK$118,263
baseline
▲ 0.50% · 4.625%
HK$124,497
+HK$6,234/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,526/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,319 · Scale 2, in force from 26 Feb 2026)