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$57,773
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,826/mo
Today · 4.125%
HK$61,396
baseline
▲ 0.50% · 4.625%
HK$65,132
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,792/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,272
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,996
−HK$1,748/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,315
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,328
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,484
−HK$2,191/mo
Today · 4.125%
HK$73,675
baseline
▲ 0.50% · 4.625%
HK$78,158
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,350/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,195
−HK$2,098/mo
Today · 4.125%
HK$81,293
baseline
▲ 0.50% · 4.625%
HK$85,578
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,586/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,882
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,398
−HK$2,556/mo
Today · 4.125%
HK$85,954
baseline
▲ 0.50% · 4.625%
HK$91,184
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,908/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,981
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,394
−HK$2,448/mo
Today · 4.125%
HK$94,842
baseline
▲ 0.50% · 4.625%
HK$99,841
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,684/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,992
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,226
−HK$3,287/mo
Today · 4.125%
HK$110,513
baseline
▲ 0.50% · 4.625%
HK$117,237
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,026/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,690
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,792
−HK$3,148/mo
Today · 4.125%
HK$121,940
baseline
▲ 0.50% · 4.625%
HK$128,368
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,880/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,790 · Scale 2, in force from 26 Feb 2026)