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$54,515
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,210
−HK$1,723/mo
Today · 4.125%
HK$57,933
baseline
▲ 0.50% · 4.625%
HK$61,458
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,866/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,647
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,650/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,293
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,418
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,453
−HK$2,067/mo
Today · 4.125%
HK$69,520
baseline
▲ 0.50% · 4.625%
HK$73,750
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,040/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,776
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,728
−HK$1,980/mo
Today · 4.125%
HK$76,708
baseline
▲ 0.50% · 4.625%
HK$80,752
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,416/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,321
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,695
−HK$2,412/mo
Today · 4.125%
HK$81,107
baseline
▲ 0.50% · 4.625%
HK$86,042
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,214/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,906
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,183
−HK$2,310/mo
Today · 4.125%
HK$89,493
baseline
▲ 0.50% · 4.625%
HK$94,210
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$178,986/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,126
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,179
−HK$3,101/mo
Today · 4.125%
HK$104,280
baseline
▲ 0.50% · 4.625%
HK$110,625
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,560/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,165
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,092
−HK$2,971/mo
Today · 4.125%
HK$115,063
baseline
▲ 0.50% · 4.625%
HK$121,128
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,126/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,059 · Scale 2, in force from 26 Feb 2026)