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$57,723
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,519
−HK$1,824/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$65,076
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,217
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,939
−HK$1,747/mo
Today · 4.125%
HK$67,686
baseline
▲ 0.50% · 4.625%
HK$71,254
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,372/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,268
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$2,189/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$78,091
+HK$4,479/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,060
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,127
−HK$2,096/mo
Today · 4.125%
HK$81,223
baseline
▲ 0.50% · 4.625%
HK$85,505
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,446/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,813
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,326
−HK$2,554/mo
Today · 4.125%
HK$85,880
baseline
▲ 0.50% · 4.625%
HK$91,106
+HK$5,226/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,760/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,903
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,314
−HK$2,447/mo
Today · 4.125%
HK$94,761
baseline
▲ 0.50% · 4.625%
HK$99,755
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,522/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,902
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,134
−HK$3,284/mo
Today · 4.125%
HK$110,418
baseline
▲ 0.50% · 4.625%
HK$117,136
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,590
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,690
−HK$3,145/mo
Today · 4.125%
HK$121,835
baseline
▲ 0.50% · 4.625%
HK$128,257
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,670/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,863 · Scale 2, in force from 26 Feb 2026)