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$55,810
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,763/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,918
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,088
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,753
−HK$1,689/mo
Today · 4.125%
HK$65,442
baseline
▲ 0.50% · 4.625%
HK$68,891
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,884/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,971
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,055
−HK$2,116/mo
Today · 4.125%
HK$71,171
baseline
▲ 0.50% · 4.625%
HK$75,502
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,342/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,505
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,503
−HK$2,027/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$82,670
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,133
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,564
−HK$2,469/mo
Today · 4.125%
HK$83,033
baseline
▲ 0.50% · 4.625%
HK$88,085
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,066/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,923
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,254
−HK$2,365/mo
Today · 4.125%
HK$91,619
baseline
▲ 0.50% · 4.625%
HK$96,448
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,238/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,457
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,582
−HK$3,175/mo
Today · 4.125%
HK$106,757
baseline
▲ 0.50% · 4.625%
HK$113,253
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,514/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,758
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,755
−HK$3,041/mo
Today · 4.125%
HK$117,796
baseline
▲ 0.50% · 4.625%
HK$124,005
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,592/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,193 · Scale 2, in force from 26 Feb 2026)