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$54,921
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,630
−HK$1,735/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,917
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,738
−HK$1,663/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$67,795
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,906
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,956
−HK$2,083/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$74,300
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,319
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,286
−HK$1,995/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,354
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,430/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,684
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,539
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,833
−HK$2,328/mo
Today · 4.125%
HK$90,161
baseline
▲ 0.50% · 4.625%
HK$94,913
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,322/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,859
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,934
−HK$3,124/mo
Today · 4.125%
HK$105,058
baseline
▲ 0.50% · 4.625%
HK$111,450
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,116/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,979
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,929
−HK$2,992/mo
Today · 4.125%
HK$115,921
baseline
▲ 0.50% · 4.625%
HK$122,031
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,842/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,639 · Scale 2, in force from 26 Feb 2026)