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$56,290
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,041
−HK$1,779/mo
Today · 4.125%
HK$59,820
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,640/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,622
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,302
−HK$1,703/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$69,485
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,548
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,649
−HK$2,135/mo
Today · 4.125%
HK$71,784
baseline
▲ 0.50% · 4.625%
HK$76,152
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,568/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,147
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,162
−HK$2,045/mo
Today · 4.125%
HK$79,207
baseline
▲ 0.50% · 4.625%
HK$83,382
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,414/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,806
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,257
−HK$2,491/mo
Today · 4.125%
HK$83,748
baseline
▲ 0.50% · 4.625%
HK$88,844
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,496/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,671
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,022
−HK$2,386/mo
Today · 4.125%
HK$92,408
baseline
▲ 0.50% · 4.625%
HK$97,279
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,816/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,322
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,474
−HK$3,202/mo
Today · 4.125%
HK$107,676
baseline
▲ 0.50% · 4.625%
HK$114,228
+HK$6,552/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,352/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,720
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,743
−HK$3,067/mo
Today · 4.125%
HK$118,810
baseline
▲ 0.50% · 4.625%
HK$125,072
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,620/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,149 · Scale 2, in force from 26 Feb 2026)