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$56,155
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,902
−HK$1,774/mo
Today · 4.125%
HK$59,676
baseline
▲ 0.50% · 4.625%
HK$63,307
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,352/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,472
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,147
−HK$1,700/mo
Today · 4.125%
HK$65,847
baseline
▲ 0.50% · 4.625%
HK$69,318
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,694/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,386
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,482
−HK$2,130/mo
Today · 4.125%
HK$71,612
baseline
▲ 0.50% · 4.625%
HK$75,969
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,224/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,966
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,977
−HK$2,039/mo
Today · 4.125%
HK$79,016
baseline
▲ 0.50% · 4.625%
HK$83,181
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,032/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,617
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,062
−HK$2,485/mo
Today · 4.125%
HK$83,547
baseline
▲ 0.50% · 4.625%
HK$88,630
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,094/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,460
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,806
−HK$2,380/mo
Today · 4.125%
HK$92,186
baseline
▲ 0.50% · 4.625%
HK$97,045
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,372/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,079
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,223
−HK$3,194/mo
Today · 4.125%
HK$107,417
baseline
▲ 0.50% · 4.625%
HK$113,953
+HK$6,536/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,834/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,449
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,465
−HK$3,059/mo
Today · 4.125%
HK$118,524
baseline
▲ 0.50% · 4.625%
HK$124,772
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,048/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,630 · Scale 2, in force from 26 Feb 2026)