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$55,195
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,744/mo
Today · 4.125%
HK$58,656
baseline
▲ 0.50% · 4.625%
HK$62,225
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,312/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,670/mo
Today · 4.125%
HK$64,721
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,442/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,234
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,294
−HK$2,094/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,685
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,005/mo
Today · 4.125%
HK$77,666
baseline
▲ 0.50% · 4.625%
HK$81,760
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,332/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,273
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,677
−HK$2,442/mo
Today · 4.125%
HK$82,119
baseline
▲ 0.50% · 4.625%
HK$87,116
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,238/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,966
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,271
−HK$2,339/mo
Today · 4.125%
HK$90,610
baseline
▲ 0.50% · 4.625%
HK$95,386
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,220/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,351
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,442
−HK$3,139/mo
Today · 4.125%
HK$105,581
baseline
▲ 0.50% · 4.625%
HK$112,006
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,162/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,527
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,491
−HK$3,008/mo
Today · 4.125%
HK$116,499
baseline
▲ 0.50% · 4.625%
HK$122,639
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$232,998/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,740 · Scale 2, in force from 26 Feb 2026)