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$55,344
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,749/mo
Today · 4.125%
HK$58,815
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,578/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,630/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,570
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,221
−HK$1,675/mo
Today · 4.125%
HK$64,896
baseline
▲ 0.50% · 4.625%
HK$68,317
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,792/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,413
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$2,099/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,884
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,011/mo
Today · 4.125%
HK$77,876
baseline
▲ 0.50% · 4.625%
HK$81,980
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,752/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,482
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,892
−HK$2,449/mo
Today · 4.125%
HK$82,341
baseline
▲ 0.50% · 4.625%
HK$87,351
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,682/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,198
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,510
−HK$2,345/mo
Today · 4.125%
HK$90,855
baseline
▲ 0.50% · 4.625%
HK$95,644
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,710/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,620
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$3,149/mo
Today · 4.125%
HK$105,867
baseline
▲ 0.50% · 4.625%
HK$112,308
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,734/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,826
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,798
−HK$3,015/mo
Today · 4.125%
HK$116,813
baseline
▲ 0.50% · 4.625%
HK$122,971
+HK$6,158/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,626/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,519 · Scale 2, in force from 26 Feb 2026)