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$56,793
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,795/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,182
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,719/mo
Today · 4.125%
HK$66,595
baseline
▲ 0.50% · 4.625%
HK$70,106
+HK$3,511/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,190/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,152
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,272
−HK$2,154/mo
Today · 4.125%
HK$72,426
baseline
▲ 0.50% · 4.625%
HK$76,832
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,852/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,818
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,852
−HK$2,062/mo
Today · 4.125%
HK$79,914
baseline
▲ 0.50% · 4.625%
HK$84,127
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,828/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,510
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,984
−HK$2,512/mo
Today · 4.125%
HK$84,496
baseline
▲ 0.50% · 4.625%
HK$89,638
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,992/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,455
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,827
−HK$2,407/mo
Today · 4.125%
HK$93,234
baseline
▲ 0.50% · 4.625%
HK$98,148
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,468/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,228
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$3,230/mo
Today · 4.125%
HK$108,638
baseline
▲ 0.50% · 4.625%
HK$115,249
+HK$6,611/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,276/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,727
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,777
−HK$3,095/mo
Today · 4.125%
HK$119,872
baseline
▲ 0.50% · 4.625%
HK$126,190
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,744/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,526 · Scale 2, in force from 26 Feb 2026)