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$55,779
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,514
−HK$1,763/mo
Today · 4.125%
HK$59,277
baseline
▲ 0.50% · 4.625%
HK$62,884
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,554/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,054
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,718
−HK$1,688/mo
Today · 4.125%
HK$65,406
baseline
▲ 0.50% · 4.625%
HK$68,854
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,812/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,935
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,017
−HK$2,115/mo
Today · 4.125%
HK$71,132
baseline
▲ 0.50% · 4.625%
HK$75,461
+HK$4,329/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,264/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,464
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,462
−HK$2,026/mo
Today · 4.125%
HK$78,488
baseline
▲ 0.50% · 4.625%
HK$82,625
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,976/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,091
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,520
−HK$2,468/mo
Today · 4.125%
HK$82,988
baseline
▲ 0.50% · 4.625%
HK$88,037
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,976/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,875
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,205
−HK$2,364/mo
Today · 4.125%
HK$91,569
baseline
▲ 0.50% · 4.625%
HK$96,396
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,138/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,402
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,526
−HK$3,173/mo
Today · 4.125%
HK$106,699
baseline
▲ 0.50% · 4.625%
HK$113,191
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,398/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,697
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,692
−HK$3,039/mo
Today · 4.125%
HK$117,731
baseline
▲ 0.50% · 4.625%
HK$123,937
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,462/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,626 · Scale 2, in force from 26 Feb 2026)