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$56,415
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,169
−HK$1,783/mo
Today · 4.125%
HK$59,952
baseline
▲ 0.50% · 4.625%
HK$63,600
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,904/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,761
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,707/mo
Today · 4.125%
HK$66,151
baseline
▲ 0.50% · 4.625%
HK$69,638
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,302/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,697
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$2,140/mo
Today · 4.125%
HK$71,943
baseline
▲ 0.50% · 4.625%
HK$76,320
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,886/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,313
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,333
−HK$2,049/mo
Today · 4.125%
HK$79,382
baseline
▲ 0.50% · 4.625%
HK$83,566
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,764/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,980
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,437
−HK$2,496/mo
Today · 4.125%
HK$83,933
baseline
▲ 0.50% · 4.625%
HK$89,040
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,866/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,865
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,221
−HK$2,391/mo
Today · 4.125%
HK$92,612
baseline
▲ 0.50% · 4.625%
HK$97,494
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,224/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,546
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,705
−HK$3,209/mo
Today · 4.125%
HK$107,914
baseline
▲ 0.50% · 4.625%
HK$114,480
+HK$6,566/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,828/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,969
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$115,999
−HK$3,074/mo
Today · 4.125%
HK$119,073
baseline
▲ 0.50% · 4.625%
HK$125,349
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,146/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,470 · Scale 2, in force from 26 Feb 2026)