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$55,365
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,750/mo
Today · 4.125%
HK$58,837
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,674/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,676/mo
Today · 4.125%
HK$64,921
baseline
▲ 0.50% · 4.625%
HK$68,343
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,842/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,505
−HK$2,100/mo
Today · 4.125%
HK$70,605
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,210/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,912
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,894
−HK$2,011/mo
Today · 4.125%
HK$77,905
baseline
▲ 0.50% · 4.625%
HK$82,012
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,810/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,511
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,922
−HK$2,450/mo
Today · 4.125%
HK$82,372
baseline
▲ 0.50% · 4.625%
HK$87,384
+HK$5,012/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,744/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,231
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,543
−HK$2,346/mo
Today · 4.125%
HK$90,889
baseline
▲ 0.50% · 4.625%
HK$95,680
+HK$4,791/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,778/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,657
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,757
−HK$3,150/mo
Today · 4.125%
HK$105,907
baseline
▲ 0.50% · 4.625%
HK$112,351
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,814/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,868
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,841
−HK$3,017/mo
Today · 4.125%
HK$116,858
baseline
▲ 0.50% · 4.625%
HK$123,018
+HK$6,160/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,716/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,913 · Scale 2, in force from 26 Feb 2026)