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$56,517
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,275
−HK$1,786/mo
Today · 4.125%
HK$60,061
baseline
▲ 0.50% · 4.625%
HK$63,716
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,122/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,875
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,561
−HK$1,711/mo
Today · 4.125%
HK$66,272
baseline
▲ 0.50% · 4.625%
HK$69,765
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,544/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,930
−HK$2,143/mo
Today · 4.125%
HK$72,073
baseline
▲ 0.50% · 4.625%
HK$76,459
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,146/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,450
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,473
−HK$2,053/mo
Today · 4.125%
HK$79,526
baseline
▲ 0.50% · 4.625%
HK$83,718
+HK$4,192/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,052/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,124
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,585
−HK$2,501/mo
Today · 4.125%
HK$84,086
baseline
▲ 0.50% · 4.625%
HK$89,202
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,172/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,025
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,385
−HK$2,395/mo
Today · 4.125%
HK$92,780
baseline
▲ 0.50% · 4.625%
HK$97,671
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,560/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,731
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,895
−HK$3,215/mo
Today · 4.125%
HK$108,110
baseline
▲ 0.50% · 4.625%
HK$114,688
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,220/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,174
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,210
−HK$3,079/mo
Today · 4.125%
HK$119,289
baseline
▲ 0.50% · 4.625%
HK$125,577
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,578/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,380 · Scale 2, in force from 26 Feb 2026)