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$56,161
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,908
−HK$1,774/mo
Today · 4.125%
HK$59,682
baseline
▲ 0.50% · 4.625%
HK$63,314
+HK$3,632/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,364/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,478
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,154
−HK$1,700/mo
Today · 4.125%
HK$65,854
baseline
▲ 0.50% · 4.625%
HK$69,325
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,708/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,393
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,489
−HK$2,130/mo
Today · 4.125%
HK$71,619
baseline
▲ 0.50% · 4.625%
HK$75,977
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,238/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,974
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,985
−HK$2,039/mo
Today · 4.125%
HK$79,024
baseline
▲ 0.50% · 4.625%
HK$83,190
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,048/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,625
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,071
−HK$2,484/mo
Today · 4.125%
HK$83,555
baseline
▲ 0.50% · 4.625%
HK$88,640
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,110/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,469
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,815
−HK$2,380/mo
Today · 4.125%
HK$92,195
baseline
▲ 0.50% · 4.625%
HK$97,055
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,390/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,089
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,234
−HK$3,194/mo
Today · 4.125%
HK$107,428
baseline
▲ 0.50% · 4.625%
HK$113,965
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,856/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,461
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,477
−HK$3,060/mo
Today · 4.125%
HK$118,537
baseline
▲ 0.50% · 4.625%
HK$124,785
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,074/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,737 · Scale 2, in force from 26 Feb 2026)