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$54,774
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,731/mo
Today · 4.125%
HK$58,209
baseline
▲ 0.50% · 4.625%
HK$61,750
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,418/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,935
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,570
−HK$1,657/mo
Today · 4.125%
HK$64,227
baseline
▲ 0.50% · 4.625%
HK$67,613
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,454/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,729
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$2,077/mo
Today · 4.125%
HK$69,850
baseline
▲ 0.50% · 4.625%
HK$74,101
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,700/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,122
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,083
−HK$1,990/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,683
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,069
−HK$2,423/mo
Today · 4.125%
HK$81,492
baseline
▲ 0.50% · 4.625%
HK$86,451
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,984/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,309
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,321/mo
Today · 4.125%
HK$89,918
baseline
▲ 0.50% · 4.625%
HK$94,658
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,836/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,593
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,660
−HK$3,115/mo
Today · 4.125%
HK$104,775
baseline
▲ 0.50% · 4.625%
HK$111,151
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,550/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,684
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,625
−HK$2,984/mo
Today · 4.125%
HK$115,609
baseline
▲ 0.50% · 4.625%
HK$121,703
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,218/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,889 · Scale 2, in force from 26 Feb 2026)