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$55,987
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,770/mo
Today · 4.125%
HK$59,498
baseline
▲ 0.50% · 4.625%
HK$63,118
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,996/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,285
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,955
−HK$1,695/mo
Today · 4.125%
HK$65,650
baseline
▲ 0.50% · 4.625%
HK$69,111
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,300/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$2,123/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,742
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,742
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,746
−HK$2,034/mo
Today · 4.125%
HK$78,780
baseline
▲ 0.50% · 4.625%
HK$82,933
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,560/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,382
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,820
−HK$2,477/mo
Today · 4.125%
HK$83,297
baseline
▲ 0.50% · 4.625%
HK$88,365
+HK$5,068/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,594/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,199
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,538
−HK$2,372/mo
Today · 4.125%
HK$91,910
baseline
▲ 0.50% · 4.625%
HK$96,755
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,820/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,777
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,911
−HK$3,185/mo
Today · 4.125%
HK$107,096
baseline
▲ 0.50% · 4.625%
HK$113,613
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,192/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,113
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,120
−HK$3,050/mo
Today · 4.125%
HK$118,170
baseline
▲ 0.50% · 4.625%
HK$124,399
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,340/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,500 · Scale 2, in force from 26 Feb 2026)