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$56,281
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,778/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$63,450
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,612
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,704/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$69,474
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,537
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,638
−HK$2,135/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$76,140
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,135
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,150
−HK$2,044/mo
Today · 4.125%
HK$79,194
baseline
▲ 0.50% · 4.625%
HK$83,368
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,388/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,794
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,245
−HK$2,490/mo
Today · 4.125%
HK$83,735
baseline
▲ 0.50% · 4.625%
HK$88,830
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,470/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,657
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,008
−HK$2,385/mo
Today · 4.125%
HK$92,393
baseline
▲ 0.50% · 4.625%
HK$97,263
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,786/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,306
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,457
−HK$3,202/mo
Today · 4.125%
HK$107,659
baseline
▲ 0.50% · 4.625%
HK$114,210
+HK$6,551/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,318/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,702
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,725
−HK$3,066/mo
Today · 4.125%
HK$118,791
baseline
▲ 0.50% · 4.625%
HK$125,053
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,582/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,983 · Scale 2, in force from 26 Feb 2026)