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$55,851
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,588
−HK$1,765/mo
Today · 4.125%
HK$59,353
baseline
▲ 0.50% · 4.625%
HK$62,965
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,706/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,134
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,800
−HK$1,691/mo
Today · 4.125%
HK$65,491
baseline
▲ 0.50% · 4.625%
HK$68,943
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,982/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,021
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$2,118/mo
Today · 4.125%
HK$71,224
baseline
▲ 0.50% · 4.625%
HK$75,558
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,448/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,560
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,029/mo
Today · 4.125%
HK$78,589
baseline
▲ 0.50% · 4.625%
HK$82,731
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,178/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,191
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,624
−HK$2,471/mo
Today · 4.125%
HK$83,095
baseline
▲ 0.50% · 4.625%
HK$88,151
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,190/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,987
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,320
−HK$2,367/mo
Today · 4.125%
HK$91,687
baseline
▲ 0.50% · 4.625%
HK$96,520
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,374/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,532
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,659
−HK$3,177/mo
Today · 4.125%
HK$106,836
baseline
▲ 0.50% · 4.625%
HK$113,337
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,672/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,841
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,840
−HK$3,043/mo
Today · 4.125%
HK$117,883
baseline
▲ 0.50% · 4.625%
HK$124,097
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,766/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,965 · Scale 2, in force from 26 Feb 2026)