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$56,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,747
−HK$1,770/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$63,138
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,976
−HK$1,695/mo
Today · 4.125%
HK$65,671
baseline
▲ 0.50% · 4.625%
HK$69,133
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,342/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,206
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,296
−HK$2,124/mo
Today · 4.125%
HK$71,420
baseline
▲ 0.50% · 4.625%
HK$75,766
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,840/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,766
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,771
−HK$2,034/mo
Today · 4.125%
HK$78,805
baseline
▲ 0.50% · 4.625%
HK$82,959
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,610/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,407
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,846
−HK$2,478/mo
Today · 4.125%
HK$83,324
baseline
▲ 0.50% · 4.625%
HK$88,394
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,648/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,227
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,566
−HK$2,373/mo
Today · 4.125%
HK$91,939
baseline
▲ 0.50% · 4.625%
HK$96,786
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,878/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,809
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$3,185/mo
Today · 4.125%
HK$107,130
baseline
▲ 0.50% · 4.625%
HK$113,649
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,260/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,149
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,157
−HK$3,051/mo
Today · 4.125%
HK$118,208
baseline
▲ 0.50% · 4.625%
HK$124,439
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,416/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,834 · Scale 2, in force from 26 Feb 2026)