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$55,185
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,901
−HK$1,744/mo
Today · 4.125%
HK$58,645
baseline
▲ 0.50% · 4.625%
HK$62,214
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,290/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,392
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,670/mo
Today · 4.125%
HK$64,709
baseline
▲ 0.50% · 4.625%
HK$68,120
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,418/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,222
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,281
−HK$2,093/mo
Today · 4.125%
HK$70,374
baseline
▲ 0.50% · 4.625%
HK$74,656
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,748/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,671
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,647
−HK$2,004/mo
Today · 4.125%
HK$77,651
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,302/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,258
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,441/mo
Today · 4.125%
HK$82,103
baseline
▲ 0.50% · 4.625%
HK$87,099
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,206/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,949
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,254
−HK$2,339/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,332
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,422
−HK$3,139/mo
Today · 4.125%
HK$105,561
baseline
▲ 0.50% · 4.625%
HK$111,985
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,122/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,506
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,470
−HK$3,007/mo
Today · 4.125%
HK$116,477
baseline
▲ 0.50% · 4.625%
HK$122,616
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,954/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,546 · Scale 2, in force from 26 Feb 2026)