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$57,637
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,430
−HK$1,822/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,979
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,121
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,841
−HK$1,744/mo
Today · 4.125%
HK$67,585
baseline
▲ 0.50% · 4.625%
HK$71,148
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,170/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,165
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,316
−HK$2,186/mo
Today · 4.125%
HK$73,502
baseline
▲ 0.50% · 4.625%
HK$77,975
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,004/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,945
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,009
−HK$2,093/mo
Today · 4.125%
HK$81,102
baseline
▲ 0.50% · 4.625%
HK$85,377
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,204/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,692
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,202
−HK$2,551/mo
Today · 4.125%
HK$85,753
baseline
▲ 0.50% · 4.625%
HK$90,970
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,506/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,770
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,177
−HK$2,443/mo
Today · 4.125%
HK$94,620
baseline
▲ 0.50% · 4.625%
HK$99,607
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,240/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,747
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,975
−HK$3,278/mo
Today · 4.125%
HK$110,253
baseline
▲ 0.50% · 4.625%
HK$116,962
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,506/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,418
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,513
−HK$3,141/mo
Today · 4.125%
HK$121,654
baseline
▲ 0.50% · 4.625%
HK$128,066
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,308/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,262 · Scale 2, in force from 26 Feb 2026)