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$59,071
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,909
−HK$1,867/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,716
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$1,788/mo
Today · 4.125%
HK$69,267
baseline
▲ 0.50% · 4.625%
HK$72,918
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,534/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,886
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,090
−HK$2,241/mo
Today · 4.125%
HK$75,331
baseline
▲ 0.50% · 4.625%
HK$79,914
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,662/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,859
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,974
−HK$2,146/mo
Today · 4.125%
HK$83,120
baseline
▲ 0.50% · 4.625%
HK$87,501
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,240/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,700
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,272
−HK$2,614/mo
Today · 4.125%
HK$87,886
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,772/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,003
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,470
−HK$2,503/mo
Today · 4.125%
HK$96,973
baseline
▲ 0.50% · 4.625%
HK$102,085
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,946/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,328
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,636
−HK$3,360/mo
Today · 4.125%
HK$112,996
baseline
▲ 0.50% · 4.625%
HK$119,872
+HK$6,876/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,992/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,289
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,462
−HK$3,218/mo
Today · 4.125%
HK$124,680
baseline
▲ 0.50% · 4.625%
HK$131,252
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,360/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,986 · Scale 2, in force from 26 Feb 2026)