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$56,524
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,786/mo
Today · 4.125%
HK$60,069
baseline
▲ 0.50% · 4.625%
HK$63,724
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,138/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,883
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,569
−HK$1,711/mo
Today · 4.125%
HK$66,280
baseline
▲ 0.50% · 4.625%
HK$69,774
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,560/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,829
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,939
−HK$2,144/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$76,469
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,459
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,483
−HK$2,053/mo
Today · 4.125%
HK$79,536
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,072/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,596
−HK$2,501/mo
Today · 4.125%
HK$84,097
baseline
▲ 0.50% · 4.625%
HK$89,214
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,194/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,036
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,397
−HK$2,395/mo
Today · 4.125%
HK$92,792
baseline
▲ 0.50% · 4.625%
HK$97,684
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,584/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,744
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,909
−HK$3,215/mo
Today · 4.125%
HK$108,124
baseline
▲ 0.50% · 4.625%
HK$114,703
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,248/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,189
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,225
−HK$3,079/mo
Today · 4.125%
HK$119,304
baseline
▲ 0.50% · 4.625%
HK$125,593
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,608/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,517 · Scale 2, in force from 26 Feb 2026)