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$58,326
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,843/mo
Today · 4.125%
HK$61,984
baseline
▲ 0.50% · 4.625%
HK$65,755
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,968/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,887
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,628
−HK$1,765/mo
Today · 4.125%
HK$68,393
baseline
▲ 0.50% · 4.625%
HK$71,998
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,786/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,992
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,169
−HK$2,212/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,906
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,865
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,953
−HK$2,119/mo
Today · 4.125%
HK$82,072
baseline
▲ 0.50% · 4.625%
HK$86,398
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,144/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,657
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,197
−HK$2,580/mo
Today · 4.125%
HK$86,777
baseline
▲ 0.50% · 4.625%
HK$92,058
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,554/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,842
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,279
−HK$2,471/mo
Today · 4.125%
HK$95,750
baseline
▲ 0.50% · 4.625%
HK$100,797
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,500/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,987
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,253
−HK$3,318/mo
Today · 4.125%
HK$111,571
baseline
▲ 0.50% · 4.625%
HK$118,360
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,142/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,797
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,930
−HK$3,177/mo
Today · 4.125%
HK$123,107
baseline
▲ 0.50% · 4.625%
HK$129,597
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,214/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,100 · Scale 2, in force from 26 Feb 2026)