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$58,265
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,077
−HK$1,841/mo
Today · 4.125%
HK$61,918
baseline
▲ 0.50% · 4.625%
HK$65,686
+HK$3,768/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,836/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,819
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,557
−HK$1,764/mo
Today · 4.125%
HK$68,321
baseline
▲ 0.50% · 4.625%
HK$71,922
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,642/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,918
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,092
−HK$2,210/mo
Today · 4.125%
HK$74,302
baseline
▲ 0.50% · 4.625%
HK$78,823
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,604/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,783
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,869
−HK$2,116/mo
Today · 4.125%
HK$81,985
baseline
▲ 0.50% · 4.625%
HK$86,306
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,970/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,571
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,108
−HK$2,578/mo
Today · 4.125%
HK$86,686
baseline
▲ 0.50% · 4.625%
HK$91,960
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,372/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,746
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,180
−HK$2,469/mo
Today · 4.125%
HK$95,649
baseline
▲ 0.50% · 4.625%
HK$100,691
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,298/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,876
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,139
−HK$3,314/mo
Today · 4.125%
HK$111,453
baseline
▲ 0.50% · 4.625%
HK$118,235
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,906/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,674
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,803
−HK$3,174/mo
Today · 4.125%
HK$122,977
baseline
▲ 0.50% · 4.625%
HK$129,460
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,954/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,952 · Scale 2, in force from 26 Feb 2026)