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$57,817
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,615
−HK$1,827/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$65,181
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,320
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,046
−HK$1,750/mo
Today · 4.125%
HK$67,796
baseline
▲ 0.50% · 4.625%
HK$71,369
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,592/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,380
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,538
−HK$2,193/mo
Today · 4.125%
HK$73,731
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,462/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,185
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,255
−HK$2,100/mo
Today · 4.125%
HK$81,355
baseline
▲ 0.50% · 4.625%
HK$85,643
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,710/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,943
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,461
−HK$2,558/mo
Today · 4.125%
HK$86,019
baseline
▲ 0.50% · 4.625%
HK$91,253
+HK$5,234/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,038/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,049
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,464
−HK$2,450/mo
Today · 4.125%
HK$94,914
baseline
▲ 0.50% · 4.625%
HK$99,917
+HK$5,003/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,828/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,070
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,307
−HK$3,289/mo
Today · 4.125%
HK$110,596
baseline
▲ 0.50% · 4.625%
HK$117,326
+HK$6,730/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,192/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,777
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,882
−HK$3,150/mo
Today · 4.125%
HK$122,032
baseline
▲ 0.50% · 4.625%
HK$128,464
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,064/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,603 · Scale 2, in force from 26 Feb 2026)