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$56,513
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,786/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,711
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,556
−HK$1,710/mo
Today · 4.125%
HK$66,266
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,532/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,815
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,925
−HK$2,143/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$76,453
+HK$4,385/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,444
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,467
−HK$2,053/mo
Today · 4.125%
HK$79,520
baseline
▲ 0.50% · 4.625%
HK$83,711
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,040/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,118
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,500/mo
Today · 4.125%
HK$84,079
baseline
▲ 0.50% · 4.625%
HK$89,195
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,158/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,018
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,378
−HK$2,395/mo
Today · 4.125%
HK$92,773
baseline
▲ 0.50% · 4.625%
HK$97,663
+HK$4,890/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,546/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,723
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,887
−HK$3,215/mo
Today · 4.125%
HK$108,102
baseline
▲ 0.50% · 4.625%
HK$114,679
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,204/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,166
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,201
−HK$3,079/mo
Today · 4.125%
HK$119,280
baseline
▲ 0.50% · 4.625%
HK$125,567
+HK$6,287/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,560/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,298 · Scale 2, in force from 26 Feb 2026)