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$57,970
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,773
−HK$1,832/mo
Today · 4.125%
HK$61,605
baseline
▲ 0.50% · 4.625%
HK$65,353
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,210/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$1,755/mo
Today · 4.125%
HK$67,975
baseline
▲ 0.50% · 4.625%
HK$71,558
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,950/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,727
−HK$2,199/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$78,424
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,106/mo
Today · 4.125%
HK$81,570
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,140/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,682
−HK$2,565/mo
Today · 4.125%
HK$86,247
baseline
▲ 0.50% · 4.625%
HK$91,495
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,494/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,287
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,457/mo
Today · 4.125%
HK$95,165
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,330/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,345
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,591
−HK$3,297/mo
Today · 4.125%
HK$110,888
baseline
▲ 0.50% · 4.625%
HK$117,636
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,776/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,083
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,196
−HK$3,159/mo
Today · 4.125%
HK$122,355
baseline
▲ 0.50% · 4.625%
HK$128,804
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,710/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,451 · Scale 2, in force from 26 Feb 2026)