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$57,333
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,812/mo
Today · 4.125%
HK$60,928
baseline
▲ 0.50% · 4.625%
HK$64,635
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,856/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,782
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,493
−HK$1,735/mo
Today · 4.125%
HK$67,228
baseline
▲ 0.50% · 4.625%
HK$70,772
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,456/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,799
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,939
−HK$2,175/mo
Today · 4.125%
HK$73,114
baseline
▲ 0.50% · 4.625%
HK$77,562
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,228/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,539
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,591
−HK$2,083/mo
Today · 4.125%
HK$80,674
baseline
▲ 0.50% · 4.625%
HK$84,926
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,348/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,266
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,763
−HK$2,536/mo
Today · 4.125%
HK$85,299
baseline
▲ 0.50% · 4.625%
HK$90,489
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,598/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,295
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,690
−HK$2,429/mo
Today · 4.125%
HK$94,119
baseline
▲ 0.50% · 4.625%
HK$99,080
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,238/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,199
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,409
−HK$3,261/mo
Today · 4.125%
HK$109,670
baseline
▲ 0.50% · 4.625%
HK$116,344
+HK$6,674/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,340/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,808
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,887
−HK$3,123/mo
Today · 4.125%
HK$121,010
baseline
▲ 0.50% · 4.625%
HK$127,389
+HK$6,379/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,020/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,583 · Scale 2, in force from 26 Feb 2026)