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$56,914
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,798/mo
Today · 4.125%
HK$60,483
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,966/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,015
−HK$1,722/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,255
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,474/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,297
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$2,158/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,996
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,980
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,018
−HK$2,067/mo
Today · 4.125%
HK$80,085
baseline
▲ 0.50% · 4.625%
HK$84,306
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,170/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,680
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,158
−HK$2,519/mo
Today · 4.125%
HK$84,677
baseline
▲ 0.50% · 4.625%
HK$89,829
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,354/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,643
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,020
−HK$2,412/mo
Today · 4.125%
HK$93,432
baseline
▲ 0.50% · 4.625%
HK$98,357
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,864/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,446
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,632
−HK$3,238/mo
Today · 4.125%
HK$108,870
baseline
▲ 0.50% · 4.625%
HK$115,494
+HK$6,624/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,740/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,970
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,026
−HK$3,101/mo
Today · 4.125%
HK$120,127
baseline
▲ 0.50% · 4.625%
HK$126,459
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,254/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,783 · Scale 2, in force from 26 Feb 2026)