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$54,783
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,487
−HK$1,731/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,945
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,658/mo
Today · 4.125%
HK$64,238
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,476/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,740
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$2,078/mo
Today · 4.125%
HK$69,862
baseline
▲ 0.50% · 4.625%
HK$74,113
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,724/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,135
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$1,990/mo
Today · 4.125%
HK$77,086
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,172/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,696
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,082
−HK$2,424/mo
Today · 4.125%
HK$81,506
baseline
▲ 0.50% · 4.625%
HK$86,465
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,012/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,324
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,612
−HK$2,321/mo
Today · 4.125%
HK$89,933
baseline
▲ 0.50% · 4.625%
HK$94,674
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,866/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,609
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,677
−HK$3,116/mo
Today · 4.125%
HK$104,793
baseline
▲ 0.50% · 4.625%
HK$111,169
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,586/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,702
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,644
−HK$2,985/mo
Today · 4.125%
HK$115,629
baseline
▲ 0.50% · 4.625%
HK$121,724
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,258/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,059 · Scale 2, in force from 26 Feb 2026)