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$55,101
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,815
−HK$1,741/mo
Today · 4.125%
HK$58,556
baseline
▲ 0.50% · 4.625%
HK$62,119
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,112/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,299
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,943
−HK$1,668/mo
Today · 4.125%
HK$64,611
baseline
▲ 0.50% · 4.625%
HK$68,017
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,222/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,121
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,178
−HK$2,090/mo
Today · 4.125%
HK$70,268
baseline
▲ 0.50% · 4.625%
HK$74,543
+HK$4,275/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,536/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,559
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,532
−HK$2,001/mo
Today · 4.125%
HK$77,533
baseline
▲ 0.50% · 4.625%
HK$81,620
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,066/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,141
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,541
−HK$2,438/mo
Today · 4.125%
HK$81,979
baseline
▲ 0.50% · 4.625%
HK$86,967
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,958/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,819
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,121
−HK$2,334/mo
Today · 4.125%
HK$90,455
baseline
▲ 0.50% · 4.625%
HK$95,224
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,910/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,182
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,267
−HK$3,134/mo
Today · 4.125%
HK$105,401
baseline
▲ 0.50% · 4.625%
HK$111,815
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,802/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,339
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,298
−HK$3,002/mo
Today · 4.125%
HK$116,300
baseline
▲ 0.50% · 4.625%
HK$122,430
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,600/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,986 · Scale 2, in force from 26 Feb 2026)