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$55,232
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,950
−HK$1,745/mo
Today · 4.125%
HK$58,695
baseline
▲ 0.50% · 4.625%
HK$62,267
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,390/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,445
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,672/mo
Today · 4.125%
HK$64,765
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,530/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,278
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,340
−HK$2,095/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,720
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,734
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,711
−HK$2,007/mo
Today · 4.125%
HK$77,718
baseline
▲ 0.50% · 4.625%
HK$81,814
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,436/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,325
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,730
−HK$2,444/mo
Today · 4.125%
HK$82,174
baseline
▲ 0.50% · 4.625%
HK$87,174
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,348/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,023
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,330
−HK$2,341/mo
Today · 4.125%
HK$90,671
baseline
▲ 0.50% · 4.625%
HK$95,450
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,342/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,510
−HK$3,142/mo
Today · 4.125%
HK$105,652
baseline
▲ 0.50% · 4.625%
HK$112,081
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,304/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,601
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,567
−HK$3,009/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$122,721
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,428 · Scale 2, in force from 26 Feb 2026)