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$55,503
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,230
−HK$1,754/mo
Today · 4.125%
HK$58,984
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,968/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,747
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,403
−HK$1,680/mo
Today · 4.125%
HK$65,083
baseline
▲ 0.50% · 4.625%
HK$68,513
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,166/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,676
−HK$2,105/mo
Today · 4.125%
HK$70,781
baseline
▲ 0.50% · 4.625%
HK$75,087
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,562/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,083
−HK$2,016/mo
Today · 4.125%
HK$78,099
baseline
▲ 0.50% · 4.625%
HK$82,216
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,198/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,705
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,122
−HK$2,455/mo
Today · 4.125%
HK$82,577
baseline
▲ 0.50% · 4.625%
HK$87,602
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,154/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,446
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,764
−HK$2,352/mo
Today · 4.125%
HK$91,116
baseline
▲ 0.50% · 4.625%
HK$95,919
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,232/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,906
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,013
−HK$3,158/mo
Today · 4.125%
HK$106,171
baseline
▲ 0.50% · 4.625%
HK$112,631
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,342/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,144
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,125
−HK$3,024/mo
Today · 4.125%
HK$117,149
baseline
▲ 0.50% · 4.625%
HK$123,324
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,298/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,484 · Scale 2, in force from 26 Feb 2026)