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$59,050
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,866/mo
Today · 4.125%
HK$62,753
baseline
▲ 0.50% · 4.625%
HK$66,571
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,506/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,692
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,454
−HK$1,788/mo
Today · 4.125%
HK$69,242
baseline
▲ 0.50% · 4.625%
HK$72,891
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,484/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,860
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,064
−HK$2,239/mo
Today · 4.125%
HK$75,303
baseline
▲ 0.50% · 4.625%
HK$79,886
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,606/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,831
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,945
−HK$2,145/mo
Today · 4.125%
HK$83,090
baseline
▲ 0.50% · 4.625%
HK$87,470
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,180/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,670
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,241
−HK$2,613/mo
Today · 4.125%
HK$87,854
baseline
▲ 0.50% · 4.625%
HK$93,200
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,708/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,969
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,436
−HK$2,502/mo
Today · 4.125%
HK$96,938
baseline
▲ 0.50% · 4.625%
HK$102,048
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,876/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,290
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,596
−HK$3,359/mo
Today · 4.125%
HK$112,955
baseline
▲ 0.50% · 4.625%
HK$119,828
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,910/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,246
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,418
−HK$3,217/mo
Today · 4.125%
HK$124,635
baseline
▲ 0.50% · 4.625%
HK$131,205
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,270/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,589 · Scale 2, in force from 26 Feb 2026)