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$55,497
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,754/mo
Today · 4.125%
HK$58,977
baseline
▲ 0.50% · 4.625%
HK$62,566
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,954/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,740
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,395
−HK$1,680/mo
Today · 4.125%
HK$65,075
baseline
▲ 0.50% · 4.625%
HK$68,505
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,150/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,596
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$2,104/mo
Today · 4.125%
HK$70,772
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,544/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,015/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,696
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,112
−HK$2,456/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$87,592
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,436
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,754
−HK$2,351/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,894
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,002
−HK$3,157/mo
Today · 4.125%
HK$106,159
baseline
▲ 0.50% · 4.625%
HK$112,618
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,318/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,131
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,112
−HK$3,023/mo
Today · 4.125%
HK$117,135
baseline
▲ 0.50% · 4.625%
HK$123,310
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,270/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,365 · Scale 2, in force from 26 Feb 2026)