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$59,070
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,907
−HK$1,867/mo
Today · 4.125%
HK$62,774
baseline
▲ 0.50% · 4.625%
HK$66,594
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,548/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,715
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,477
−HK$1,788/mo
Today · 4.125%
HK$69,265
baseline
▲ 0.50% · 4.625%
HK$72,916
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,530/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,884
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,089
−HK$2,240/mo
Today · 4.125%
HK$75,329
baseline
▲ 0.50% · 4.625%
HK$79,912
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,658/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,857
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,972
−HK$2,146/mo
Today · 4.125%
HK$83,118
baseline
▲ 0.50% · 4.625%
HK$87,499
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,236/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,698
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,270
−HK$2,614/mo
Today · 4.125%
HK$87,884
baseline
▲ 0.50% · 4.625%
HK$93,231
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,768/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,000
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,468
−HK$2,503/mo
Today · 4.125%
HK$96,971
baseline
▲ 0.50% · 4.625%
HK$102,082
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,942/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,326
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,633
−HK$3,360/mo
Today · 4.125%
HK$112,993
baseline
▲ 0.50% · 4.625%
HK$119,868
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,986/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,286
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,458
−HK$3,219/mo
Today · 4.125%
HK$124,677
baseline
▲ 0.50% · 4.625%
HK$131,249
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,354/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,957 · Scale 2, in force from 26 Feb 2026)