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$58,261
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,842/mo
Today · 4.125%
HK$61,915
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,767/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,830/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,815
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$1,764/mo
Today · 4.125%
HK$68,317
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,634/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,913
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,088
−HK$2,210/mo
Today · 4.125%
HK$74,298
baseline
▲ 0.50% · 4.625%
HK$78,818
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,596/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,778
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,864
−HK$2,116/mo
Today · 4.125%
HK$81,980
baseline
▲ 0.50% · 4.625%
HK$86,301
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,960/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,566
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,103
−HK$2,578/mo
Today · 4.125%
HK$86,681
baseline
▲ 0.50% · 4.625%
HK$91,955
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,362/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,741
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,175
−HK$2,468/mo
Today · 4.125%
HK$95,643
baseline
▲ 0.50% · 4.625%
HK$100,685
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,286/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,870
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,132
−HK$3,314/mo
Today · 4.125%
HK$111,446
baseline
▲ 0.50% · 4.625%
HK$118,228
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,892/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,667
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,796
−HK$3,174/mo
Today · 4.125%
HK$122,970
baseline
▲ 0.50% · 4.625%
HK$129,452
+HK$6,482/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,940/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,888 · Scale 2, in force from 26 Feb 2026)