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$57,749
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,825/mo
Today · 4.125%
HK$61,371
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,742/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,246
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,969
−HK$1,748/mo
Today · 4.125%
HK$67,717
baseline
▲ 0.50% · 4.625%
HK$71,286
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,434/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,299
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,455
−HK$2,190/mo
Today · 4.125%
HK$73,645
baseline
▲ 0.50% · 4.625%
HK$78,126
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,290/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,095
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,162
−HK$2,098/mo
Today · 4.125%
HK$81,260
baseline
▲ 0.50% · 4.625%
HK$85,543
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,520/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,849
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,364
−HK$2,555/mo
Today · 4.125%
HK$85,919
baseline
▲ 0.50% · 4.625%
HK$91,147
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,838/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,944
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,356
−HK$2,447/mo
Today · 4.125%
HK$94,803
baseline
▲ 0.50% · 4.625%
HK$99,801
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,606/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,949
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,182
−HK$3,286/mo
Today · 4.125%
HK$110,468
baseline
▲ 0.50% · 4.625%
HK$117,189
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,936/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,642
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,744
−HK$3,146/mo
Today · 4.125%
HK$121,890
baseline
▲ 0.50% · 4.625%
HK$128,315
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,780/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,349 · Scale 2, in force from 26 Feb 2026)