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$57,474
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,262
−HK$1,816/mo
Today · 4.125%
HK$61,078
baseline
▲ 0.50% · 4.625%
HK$64,795
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,156/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,940
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,654
−HK$1,740/mo
Today · 4.125%
HK$67,394
baseline
▲ 0.50% · 4.625%
HK$70,946
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,788/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,969
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,114
−HK$2,180/mo
Today · 4.125%
HK$73,294
baseline
▲ 0.50% · 4.625%
HK$77,754
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,588/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,727
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,785
−HK$2,088/mo
Today · 4.125%
HK$80,873
baseline
▲ 0.50% · 4.625%
HK$85,136
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,746/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,464
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,967
−HK$2,543/mo
Today · 4.125%
HK$85,510
baseline
▲ 0.50% · 4.625%
HK$90,713
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,020/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,515
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,916
−HK$2,436/mo
Today · 4.125%
HK$94,352
baseline
▲ 0.50% · 4.625%
HK$99,325
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,704/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,454
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,672
−HK$3,269/mo
Today · 4.125%
HK$109,941
baseline
▲ 0.50% · 4.625%
HK$116,631
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,882/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,091
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,178
−HK$3,131/mo
Today · 4.125%
HK$121,309
baseline
▲ 0.50% · 4.625%
HK$127,704
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,618/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,220 · Scale 2, in force from 26 Feb 2026)