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$56,034
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,777
−HK$1,770/mo
Today · 4.125%
HK$59,547
baseline
▲ 0.50% · 4.625%
HK$63,171
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,094/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,337
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,009
−HK$1,696/mo
Today · 4.125%
HK$65,705
baseline
▲ 0.50% · 4.625%
HK$69,168
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,410/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,240
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,332
−HK$2,125/mo
Today · 4.125%
HK$71,457
baseline
▲ 0.50% · 4.625%
HK$75,805
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,914/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,804
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,810
−HK$2,036/mo
Today · 4.125%
HK$78,846
baseline
▲ 0.50% · 4.625%
HK$83,002
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,692/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,447
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,887
−HK$2,479/mo
Today · 4.125%
HK$83,366
baseline
▲ 0.50% · 4.625%
HK$88,439
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,732/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,272
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,612
−HK$2,375/mo
Today · 4.125%
HK$91,987
baseline
▲ 0.50% · 4.625%
HK$96,835
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,974/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,861
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,998
−HK$3,187/mo
Today · 4.125%
HK$107,185
baseline
▲ 0.50% · 4.625%
HK$113,707
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,370/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,206
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,216
−HK$3,053/mo
Today · 4.125%
HK$118,269
baseline
▲ 0.50% · 4.625%
HK$124,503
+HK$6,234/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,538/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,370 · Scale 2, in force from 26 Feb 2026)