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$57,574
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,365
−HK$1,819/mo
Today · 4.125%
HK$61,184
baseline
▲ 0.50% · 4.625%
HK$64,907
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,368/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,050
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,768
−HK$1,743/mo
Today · 4.125%
HK$67,511
baseline
▲ 0.50% · 4.625%
HK$71,069
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,022/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,089
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,238
−HK$2,183/mo
Today · 4.125%
HK$73,421
baseline
▲ 0.50% · 4.625%
HK$77,889
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,842/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,922
−HK$2,091/mo
Today · 4.125%
HK$81,013
baseline
▲ 0.50% · 4.625%
HK$85,283
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,026/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,603
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,111
−HK$2,547/mo
Today · 4.125%
HK$85,658
baseline
▲ 0.50% · 4.625%
HK$90,870
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,316/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,671
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,075
−HK$2,440/mo
Today · 4.125%
HK$94,515
baseline
▲ 0.50% · 4.625%
HK$99,497
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,030/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,633
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,857
−HK$3,275/mo
Today · 4.125%
HK$110,132
baseline
▲ 0.50% · 4.625%
HK$116,833
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,264/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,291
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,383
−HK$3,137/mo
Today · 4.125%
HK$121,520
baseline
▲ 0.50% · 4.625%
HK$127,925
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,040/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,078 · Scale 2, in force from 26 Feb 2026)