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$55,150
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,743/mo
Today · 4.125%
HK$58,608
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,216/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,354
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,999
−HK$1,669/mo
Today · 4.125%
HK$64,668
baseline
▲ 0.50% · 4.625%
HK$68,077
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,336/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,180
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,238
−HK$2,092/mo
Today · 4.125%
HK$70,330
baseline
▲ 0.50% · 4.625%
HK$74,609
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,660/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,624
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,599
−HK$2,003/mo
Today · 4.125%
HK$77,602
baseline
▲ 0.50% · 4.625%
HK$81,692
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,204/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,210
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,611
−HK$2,440/mo
Today · 4.125%
HK$82,051
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,102/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,895
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,199
−HK$2,337/mo
Today · 4.125%
HK$90,536
baseline
▲ 0.50% · 4.625%
HK$95,308
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,072/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,269
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,357
−HK$3,138/mo
Today · 4.125%
HK$105,495
baseline
▲ 0.50% · 4.625%
HK$111,914
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,990/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,436
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,398
−HK$3,005/mo
Today · 4.125%
HK$116,403
baseline
▲ 0.50% · 4.625%
HK$122,539
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,806/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,895 · Scale 2, in force from 26 Feb 2026)