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$57,408
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,194
−HK$1,814/mo
Today · 4.125%
HK$61,008
baseline
▲ 0.50% · 4.625%
HK$64,721
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,016/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,866
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,579
−HK$1,738/mo
Today · 4.125%
HK$67,317
baseline
▲ 0.50% · 4.625%
HK$70,865
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,634/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,890
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$2,177/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,665
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,640
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,695
−HK$2,085/mo
Today · 4.125%
HK$80,780
baseline
▲ 0.50% · 4.625%
HK$85,038
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,560/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,372
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,872
−HK$2,540/mo
Today · 4.125%
HK$85,412
baseline
▲ 0.50% · 4.625%
HK$90,609
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,824/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,413
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,811
−HK$2,432/mo
Today · 4.125%
HK$94,243
baseline
▲ 0.50% · 4.625%
HK$99,211
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,486/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,335
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,549
−HK$3,266/mo
Today · 4.125%
HK$109,815
baseline
▲ 0.50% · 4.625%
HK$116,497
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,630/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,959
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,042
−HK$3,128/mo
Today · 4.125%
HK$121,170
baseline
▲ 0.50% · 4.625%
HK$127,557
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,340/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,993 · Scale 2, in force from 26 Feb 2026)