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$54,794
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,732/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,957
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,592
−HK$1,659/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,752
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,798
−HK$2,078/mo
Today · 4.125%
HK$69,876
baseline
▲ 0.50% · 4.625%
HK$74,127
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,752/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,149
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,111
−HK$1,990/mo
Today · 4.125%
HK$77,101
baseline
▲ 0.50% · 4.625%
HK$81,165
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,202/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,711
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,097
−HK$2,425/mo
Today · 4.125%
HK$81,522
baseline
▲ 0.50% · 4.625%
HK$86,482
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,044/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,340
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,629
−HK$2,322/mo
Today · 4.125%
HK$89,951
baseline
▲ 0.50% · 4.625%
HK$94,692
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,902/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,629
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,696
−HK$3,117/mo
Today · 4.125%
HK$104,813
baseline
▲ 0.50% · 4.625%
HK$111,191
+HK$6,378/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,626/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,723
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,666
−HK$2,985/mo
Today · 4.125%
HK$115,651
baseline
▲ 0.50% · 4.625%
HK$121,747
+HK$6,096/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,302/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,258 · Scale 2, in force from 26 Feb 2026)