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$55,888
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,627
−HK$1,766/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$63,007
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,175
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,843
−HK$1,691/mo
Today · 4.125%
HK$65,534
baseline
▲ 0.50% · 4.625%
HK$68,989
+HK$3,455/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,068/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,066
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$2,120/mo
Today · 4.125%
HK$71,272
baseline
▲ 0.50% · 4.625%
HK$75,608
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,544/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,610
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,030/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$82,787
+HK$4,146/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,244
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,678
−HK$2,472/mo
Today · 4.125%
HK$83,150
baseline
▲ 0.50% · 4.625%
HK$88,210
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,300/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,045
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,380
−HK$2,368/mo
Today · 4.125%
HK$91,748
baseline
▲ 0.50% · 4.625%
HK$96,584
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,496/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,599
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,728
−HK$3,179/mo
Today · 4.125%
HK$106,907
baseline
▲ 0.50% · 4.625%
HK$113,413
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,814/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,915
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,917
−HK$3,045/mo
Today · 4.125%
HK$117,962
baseline
▲ 0.50% · 4.625%
HK$124,180
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,924/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,662 · Scale 2, in force from 26 Feb 2026)