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$57,331
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,114
−HK$1,812/mo
Today · 4.125%
HK$60,926
baseline
▲ 0.50% · 4.625%
HK$64,633
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,852/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,780
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,490
−HK$1,736/mo
Today · 4.125%
HK$67,226
baseline
▲ 0.50% · 4.625%
HK$70,769
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,452/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,797
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,937
−HK$2,174/mo
Today · 4.125%
HK$73,111
baseline
▲ 0.50% · 4.625%
HK$77,560
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,222/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,536
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,589
−HK$2,082/mo
Today · 4.125%
HK$80,671
baseline
▲ 0.50% · 4.625%
HK$84,923
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,342/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,263
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,536/mo
Today · 4.125%
HK$85,296
baseline
▲ 0.50% · 4.625%
HK$90,486
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,592/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,292
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,687
−HK$2,429/mo
Today · 4.125%
HK$94,116
baseline
▲ 0.50% · 4.625%
HK$99,077
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,232/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,195
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,405
−HK$3,262/mo
Today · 4.125%
HK$109,667
baseline
▲ 0.50% · 4.625%
HK$116,340
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,334/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,804
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,883
−HK$3,123/mo
Today · 4.125%
HK$121,006
baseline
▲ 0.50% · 4.625%
HK$127,385
+HK$6,379/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,012/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,546 · Scale 2, in force from 26 Feb 2026)