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$54,848
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,554
−HK$1,733/mo
Today · 4.125%
HK$58,287
baseline
▲ 0.50% · 4.625%
HK$61,834
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,574/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,018
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,654
−HK$1,660/mo
Today · 4.125%
HK$64,314
baseline
▲ 0.50% · 4.625%
HK$67,704
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,628/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,818
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,865
−HK$2,080/mo
Today · 4.125%
HK$69,945
baseline
▲ 0.50% · 4.625%
HK$74,201
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,890/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,221
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,185
−HK$1,992/mo
Today · 4.125%
HK$77,177
baseline
▲ 0.50% · 4.625%
HK$81,245
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,354/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,787
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,176
−HK$2,426/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$86,568
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,425
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,716
−HK$2,324/mo
Today · 4.125%
HK$90,040
baseline
▲ 0.50% · 4.625%
HK$94,786
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,080/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,726
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,797
−HK$3,120/mo
Today · 4.125%
HK$104,917
baseline
▲ 0.50% · 4.625%
HK$111,301
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,834/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,832
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,778
−HK$2,988/mo
Today · 4.125%
HK$115,766
baseline
▲ 0.50% · 4.625%
HK$121,868
+HK$6,102/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,532/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,270 · Scale 2, in force from 26 Feb 2026)