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$55,137
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,742/mo
Today · 4.125%
HK$58,595
baseline
▲ 0.50% · 4.625%
HK$62,160
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,190/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,340
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,985
−HK$1,669/mo
Today · 4.125%
HK$64,654
baseline
▲ 0.50% · 4.625%
HK$68,062
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,308/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,165
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$2,091/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,582
−HK$2,003/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$81,674
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,192
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,594
−HK$2,439/mo
Today · 4.125%
HK$82,033
baseline
▲ 0.50% · 4.625%
HK$87,025
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,066/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,876
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,179
−HK$2,336/mo
Today · 4.125%
HK$90,515
baseline
▲ 0.50% · 4.625%
HK$95,287
+HK$4,772/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,030/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,247
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,335
−HK$3,136/mo
Today · 4.125%
HK$105,471
baseline
▲ 0.50% · 4.625%
HK$111,889
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,942/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,412
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,373
−HK$3,004/mo
Today · 4.125%
HK$116,377
baseline
▲ 0.50% · 4.625%
HK$122,511
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,754/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,666 · Scale 2, in force from 26 Feb 2026)