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$55,713
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,446
−HK$1,760/mo
Today · 4.125%
HK$59,206
baseline
▲ 0.50% · 4.625%
HK$62,809
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,412/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,980
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,642
−HK$1,686/mo
Today · 4.125%
HK$65,328
baseline
▲ 0.50% · 4.625%
HK$68,772
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,656/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,855
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,935
−HK$2,113/mo
Today · 4.125%
HK$71,048
baseline
▲ 0.50% · 4.625%
HK$75,371
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,096/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,376
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,370
−HK$2,024/mo
Today · 4.125%
HK$78,394
baseline
▲ 0.50% · 4.625%
HK$82,526
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,788/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,998
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,424
−HK$2,465/mo
Today · 4.125%
HK$82,889
baseline
▲ 0.50% · 4.625%
HK$87,932
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,778/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,772
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,099
−HK$2,361/mo
Today · 4.125%
HK$91,460
baseline
▲ 0.50% · 4.625%
HK$96,281
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,920/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,283
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,402
−HK$3,169/mo
Today · 4.125%
HK$106,571
baseline
▲ 0.50% · 4.625%
HK$113,056
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,142/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,564
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,556
−HK$3,035/mo
Today · 4.125%
HK$117,591
baseline
▲ 0.50% · 4.625%
HK$123,789
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,182/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,387 · Scale 2, in force from 26 Feb 2026)