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$54,531
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,723/mo
Today · 4.125%
HK$57,951
baseline
▲ 0.50% · 4.625%
HK$61,477
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,902/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,666
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,293
−HK$1,650/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,438
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,473
−HK$2,068/mo
Today · 4.125%
HK$69,541
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,082/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,799
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,751
−HK$1,981/mo
Today · 4.125%
HK$76,732
baseline
▲ 0.50% · 4.625%
HK$80,777
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,464/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,344
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,719
−HK$2,413/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$86,068
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,932
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,210
−HK$2,311/mo
Today · 4.125%
HK$89,521
baseline
▲ 0.50% · 4.625%
HK$94,239
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,042/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,157
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,210
−HK$3,102/mo
Today · 4.125%
HK$104,312
baseline
▲ 0.50% · 4.625%
HK$110,659
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,624/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,198
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,127
−HK$2,971/mo
Today · 4.125%
HK$115,098
baseline
▲ 0.50% · 4.625%
HK$121,165
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,196/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,372 · Scale 2, in force from 26 Feb 2026)