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$58,200
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,011
−HK$1,839/mo
Today · 4.125%
HK$61,850
baseline
▲ 0.50% · 4.625%
HK$65,613
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,700/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,747
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,484
−HK$1,761/mo
Today · 4.125%
HK$68,245
baseline
▲ 0.50% · 4.625%
HK$71,843
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,490/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,840
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,013
−HK$2,207/mo
Today · 4.125%
HK$74,220
baseline
▲ 0.50% · 4.625%
HK$78,736
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,440/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,697
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,780
−HK$2,114/mo
Today · 4.125%
HK$81,894
baseline
▲ 0.50% · 4.625%
HK$86,211
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,788/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,480
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,015
−HK$2,575/mo
Today · 4.125%
HK$86,590
baseline
▲ 0.50% · 4.625%
HK$91,859
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,180/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,646
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,077
−HK$2,466/mo
Today · 4.125%
HK$95,543
baseline
▲ 0.50% · 4.625%
HK$100,580
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,086/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,760
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,019
−HK$3,311/mo
Today · 4.125%
HK$111,330
baseline
▲ 0.50% · 4.625%
HK$118,104
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,660/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,545
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,671
−HK$3,170/mo
Today · 4.125%
HK$122,841
baseline
▲ 0.50% · 4.625%
HK$129,317
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,682/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,751 · Scale 2, in force from 26 Feb 2026)