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$57,212
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,991
−HK$1,808/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,499
+HK$3,700/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,647
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$1,732/mo
Today · 4.125%
HK$67,086
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,172/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,654
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,789
−HK$2,170/mo
Today · 4.125%
HK$72,959
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,918/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,377
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,425
−HK$2,078/mo
Today · 4.125%
HK$80,503
baseline
▲ 0.50% · 4.625%
HK$84,747
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$161,006/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,096
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,588
−HK$2,531/mo
Today · 4.125%
HK$85,119
baseline
▲ 0.50% · 4.625%
HK$90,298
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,238/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,106
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,496
−HK$2,424/mo
Today · 4.125%
HK$93,920
baseline
▲ 0.50% · 4.625%
HK$98,871
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,840/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,981
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,184
−HK$3,255/mo
Today · 4.125%
HK$109,439
baseline
▲ 0.50% · 4.625%
HK$116,098
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,878/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,565
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,638
−HK$3,117/mo
Today · 4.125%
HK$120,755
baseline
▲ 0.50% · 4.625%
HK$127,120
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,510/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,325 · Scale 2, in force from 26 Feb 2026)