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$57,525
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,314
−HK$1,818/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,996
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$1,741/mo
Today · 4.125%
HK$67,453
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,906/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,177
−HK$2,181/mo
Today · 4.125%
HK$73,358
baseline
▲ 0.50% · 4.625%
HK$77,822
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,716/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,795
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,854
−HK$2,090/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,210
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,534
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,040
−HK$2,545/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,792
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,594
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,997
−HK$2,437/mo
Today · 4.125%
HK$94,434
baseline
▲ 0.50% · 4.625%
HK$99,412
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,868/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,544
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,765
−HK$3,272/mo
Today · 4.125%
HK$110,037
baseline
▲ 0.50% · 4.625%
HK$116,733
+HK$6,696/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,074/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,192
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,281
−HK$3,134/mo
Today · 4.125%
HK$121,415
baseline
▲ 0.50% · 4.625%
HK$127,815
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,830/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,159 · Scale 2, in force from 26 Feb 2026)