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$58,142
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,838/mo
Today · 4.125%
HK$61,788
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,576/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,682
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,417
−HK$1,760/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$71,770
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,770
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,940
−HK$2,205/mo
Today · 4.125%
HK$74,145
baseline
▲ 0.50% · 4.625%
HK$78,657
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,290/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,618
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,700
−HK$2,112/mo
Today · 4.125%
HK$81,812
baseline
▲ 0.50% · 4.625%
HK$86,124
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,624/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,398
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,930
−HK$2,573/mo
Today · 4.125%
HK$86,503
baseline
▲ 0.50% · 4.625%
HK$91,766
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,006/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,555
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,983
−HK$2,464/mo
Today · 4.125%
HK$95,447
baseline
▲ 0.50% · 4.625%
HK$100,478
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,894/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,655
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,910
−HK$3,308/mo
Today · 4.125%
HK$111,218
baseline
▲ 0.50% · 4.625%
HK$117,985
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,436/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,428
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,550
−HK$3,168/mo
Today · 4.125%
HK$122,718
baseline
▲ 0.50% · 4.625%
HK$129,186
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,436/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,659 · Scale 2, in force from 26 Feb 2026)