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$56,030
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,771/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,333
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,005
−HK$1,695/mo
Today · 4.125%
HK$65,700
baseline
▲ 0.50% · 4.625%
HK$69,164
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,400/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,236
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,327
−HK$2,125/mo
Today · 4.125%
HK$71,452
baseline
▲ 0.50% · 4.625%
HK$75,800
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,904/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,799
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,805
−HK$2,036/mo
Today · 4.125%
HK$78,841
baseline
▲ 0.50% · 4.625%
HK$82,996
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,682/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,479/mo
Today · 4.125%
HK$83,361
baseline
▲ 0.50% · 4.625%
HK$88,433
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,722/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,266
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,606
−HK$2,375/mo
Today · 4.125%
HK$91,981
baseline
▲ 0.50% · 4.625%
HK$96,829
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,962/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,854
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,991
−HK$3,187/mo
Today · 4.125%
HK$107,178
baseline
▲ 0.50% · 4.625%
HK$113,700
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,356/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,199
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,208
−HK$3,053/mo
Today · 4.125%
HK$118,261
baseline
▲ 0.50% · 4.625%
HK$124,494
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,522/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,301 · Scale 2, in force from 26 Feb 2026)