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$56,094
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,839
−HK$1,773/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,404
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,078
−HK$1,698/mo
Today · 4.125%
HK$65,776
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,552/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,313
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,407
−HK$2,127/mo
Today · 4.125%
HK$71,534
baseline
▲ 0.50% · 4.625%
HK$75,887
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,068/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,885
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,893
−HK$2,038/mo
Today · 4.125%
HK$78,931
baseline
▲ 0.50% · 4.625%
HK$83,091
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,862/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,974
−HK$2,482/mo
Today · 4.125%
HK$83,456
baseline
▲ 0.50% · 4.625%
HK$88,534
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,912/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,366
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,709
−HK$2,377/mo
Today · 4.125%
HK$92,086
baseline
▲ 0.50% · 4.625%
HK$96,940
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,172/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,969
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,110
−HK$3,191/mo
Today · 4.125%
HK$107,301
baseline
▲ 0.50% · 4.625%
HK$113,830
+HK$6,529/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,602/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,327
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,340
−HK$3,056/mo
Today · 4.125%
HK$118,396
baseline
▲ 0.50% · 4.625%
HK$124,637
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,792/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,496 · Scale 2, in force from 26 Feb 2026)