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$55,048
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,739/mo
Today · 4.125%
HK$58,500
baseline
▲ 0.50% · 4.625%
HK$62,060
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,000/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,241
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,883
−HK$1,666/mo
Today · 4.125%
HK$64,549
baseline
▲ 0.50% · 4.625%
HK$67,952
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,098/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,058
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$2,087/mo
Today · 4.125%
HK$70,200
baseline
▲ 0.50% · 4.625%
HK$74,472
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,400/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,489
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,460
−HK$1,999/mo
Today · 4.125%
HK$77,459
baseline
▲ 0.50% · 4.625%
HK$81,542
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,918/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,465
−HK$2,435/mo
Today · 4.125%
HK$81,900
baseline
▲ 0.50% · 4.625%
HK$86,884
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,800/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,737
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,036
−HK$2,333/mo
Today · 4.125%
HK$90,369
baseline
▲ 0.50% · 4.625%
HK$95,132
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,738/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,087
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,169
−HK$3,131/mo
Today · 4.125%
HK$105,300
baseline
▲ 0.50% · 4.625%
HK$111,708
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,600/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,233
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,189
−HK$3,000/mo
Today · 4.125%
HK$116,189
baseline
▲ 0.50% · 4.625%
HK$122,313
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,378/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,003 · Scale 2, in force from 26 Feb 2026)