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$57,313
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,096
−HK$1,811/mo
Today · 4.125%
HK$60,907
baseline
▲ 0.50% · 4.625%
HK$64,614
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,814/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,761
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,471
−HK$1,734/mo
Today · 4.125%
HK$67,205
baseline
▲ 0.50% · 4.625%
HK$70,748
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,410/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,776
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,915
−HK$2,174/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$77,536
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,513
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,565
−HK$2,081/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$84,897
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,239
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,735
−HK$2,535/mo
Today · 4.125%
HK$85,270
baseline
▲ 0.50% · 4.625%
HK$90,459
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,540/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,265
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,659
−HK$2,429/mo
Today · 4.125%
HK$94,088
baseline
▲ 0.50% · 4.625%
HK$99,047
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,176/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,164
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,373
−HK$3,260/mo
Today · 4.125%
HK$109,633
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,266/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,769
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,847
−HK$3,123/mo
Today · 4.125%
HK$120,970
baseline
▲ 0.50% · 4.625%
HK$127,346
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,940/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,223 · Scale 2, in force from 26 Feb 2026)