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$56,147
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,774/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,463
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,139
−HK$1,699/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,473
−HK$2,129/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,959
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,956
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,040/mo
Today · 4.125%
HK$79,006
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,012/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,606
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,051
−HK$2,485/mo
Today · 4.125%
HK$83,536
baseline
▲ 0.50% · 4.625%
HK$88,619
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,072/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,449
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,794
−HK$2,379/mo
Today · 4.125%
HK$92,173
baseline
▲ 0.50% · 4.625%
HK$97,032
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,346/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,065
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,209
−HK$3,194/mo
Today · 4.125%
HK$107,403
baseline
▲ 0.50% · 4.625%
HK$113,938
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,806/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,434
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,450
−HK$3,059/mo
Today · 4.125%
HK$118,509
baseline
▲ 0.50% · 4.625%
HK$124,755
+HK$6,246/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,018/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,490 · Scale 2, in force from 26 Feb 2026)