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$58,893
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,725
−HK$1,861/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$66,394
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,518
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,275
−HK$1,782/mo
Today · 4.125%
HK$69,057
baseline
▲ 0.50% · 4.625%
HK$72,698
+HK$3,641/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,114/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,671
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,870
−HK$2,233/mo
Today · 4.125%
HK$75,103
baseline
▲ 0.50% · 4.625%
HK$79,673
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,206/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,621
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,730
−HK$2,139/mo
Today · 4.125%
HK$82,869
baseline
▲ 0.50% · 4.625%
HK$87,237
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,738/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,450
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,015
−HK$2,605/mo
Today · 4.125%
HK$87,620
baseline
▲ 0.50% · 4.625%
HK$92,952
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,240/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,725
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,185
−HK$2,495/mo
Today · 4.125%
HK$96,680
baseline
▲ 0.50% · 4.625%
HK$101,777
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,360/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,007
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,305
−HK$3,350/mo
Today · 4.125%
HK$112,655
baseline
▲ 0.50% · 4.625%
HK$119,510
+HK$6,855/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,310/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,932
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,095
−HK$3,208/mo
Today · 4.125%
HK$124,303
baseline
▲ 0.50% · 4.625%
HK$130,856
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,606/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,661 · Scale 2, in force from 26 Feb 2026)