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$55,446
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,753/mo
Today · 4.125%
HK$58,923
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,846/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,683
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,678/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,535
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$2,102/mo
Today · 4.125%
HK$70,707
baseline
▲ 0.50% · 4.625%
HK$75,010
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,414/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,019
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,005
−HK$2,013/mo
Today · 4.125%
HK$78,018
baseline
▲ 0.50% · 4.625%
HK$82,131
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,036/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,624
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,453/mo
Today · 4.125%
HK$82,492
baseline
▲ 0.50% · 4.625%
HK$87,511
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,984/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,356
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,672
−HK$2,350/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$95,819
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,802
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,907
−HK$3,154/mo
Today · 4.125%
HK$106,061
baseline
▲ 0.50% · 4.625%
HK$112,514
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,122/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,029
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,007
−HK$3,021/mo
Today · 4.125%
HK$117,028
baseline
▲ 0.50% · 4.625%
HK$123,196
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,056/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,412 · Scale 2, in force from 26 Feb 2026)