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$57,959
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,762
−HK$1,831/mo
Today · 4.125%
HK$61,593
baseline
▲ 0.50% · 4.625%
HK$65,341
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,186/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,479
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,208
−HK$1,754/mo
Today · 4.125%
HK$67,962
baseline
▲ 0.50% · 4.625%
HK$71,545
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,924/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,714
−HK$2,198/mo
Today · 4.125%
HK$73,912
baseline
▲ 0.50% · 4.625%
HK$78,409
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,824/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,374
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,449
−HK$2,106/mo
Today · 4.125%
HK$81,555
baseline
▲ 0.50% · 4.625%
HK$85,853
+HK$4,298/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,110/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,142
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,666
−HK$2,565/mo
Today · 4.125%
HK$86,231
baseline
▲ 0.50% · 4.625%
HK$91,478
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,462/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,270
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,691
−HK$2,456/mo
Today · 4.125%
HK$95,147
baseline
▲ 0.50% · 4.625%
HK$100,162
+HK$5,015/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,294/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,326
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,571
−HK$3,297/mo
Today · 4.125%
HK$110,868
baseline
▲ 0.50% · 4.625%
HK$117,614
+HK$6,746/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,736/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,061
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,174
−HK$3,158/mo
Today · 4.125%
HK$122,332
baseline
▲ 0.50% · 4.625%
HK$128,780
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,664/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,251 · Scale 2, in force from 26 Feb 2026)