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$55,937
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,677
−HK$1,768/mo
Today · 4.125%
HK$59,445
baseline
▲ 0.50% · 4.625%
HK$63,062
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,890/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,230
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,899
−HK$1,693/mo
Today · 4.125%
HK$65,592
baseline
▲ 0.50% · 4.625%
HK$69,049
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,184/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,125
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,213
−HK$2,121/mo
Today · 4.125%
HK$71,334
baseline
▲ 0.50% · 4.625%
HK$75,675
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,668/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,676
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,031/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$82,859
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,312
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,748
−HK$2,475/mo
Today · 4.125%
HK$83,223
baseline
▲ 0.50% · 4.625%
HK$88,287
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,446/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,122
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,458
−HK$2,371/mo
Today · 4.125%
HK$91,829
baseline
▲ 0.50% · 4.625%
HK$96,669
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,658/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,687
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,819
−HK$3,182/mo
Today · 4.125%
HK$107,001
baseline
▲ 0.50% · 4.625%
HK$113,512
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,002/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,014
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,018
−HK$3,047/mo
Today · 4.125%
HK$118,065
baseline
▲ 0.50% · 4.625%
HK$124,289
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,130/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,577 · Scale 2, in force from 26 Feb 2026)