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$56,617
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,378
−HK$1,789/mo
Today · 4.125%
HK$60,167
baseline
▲ 0.50% · 4.625%
HK$63,828
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,334/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,713/mo
Today · 4.125%
HK$66,388
baseline
▲ 0.50% · 4.625%
HK$69,888
+HK$3,500/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,776/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,940
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,053
−HK$2,147/mo
Today · 4.125%
HK$72,200
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,400/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,582
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,056/mo
Today · 4.125%
HK$79,666
baseline
▲ 0.50% · 4.625%
HK$83,865
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,332/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,263
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,729
−HK$2,505/mo
Today · 4.125%
HK$84,234
baseline
▲ 0.50% · 4.625%
HK$89,359
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,468/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,180
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,544
−HK$2,400/mo
Today · 4.125%
HK$92,944
baseline
▲ 0.50% · 4.625%
HK$97,843
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,888/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,910
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,080
−HK$3,220/mo
Today · 4.125%
HK$108,300
baseline
▲ 0.50% · 4.625%
HK$114,890
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,600/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,374
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,414
−HK$3,085/mo
Today · 4.125%
HK$119,499
baseline
▲ 0.50% · 4.625%
HK$125,798
+HK$6,299/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$238,998/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,234 · Scale 2, in force from 26 Feb 2026)