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$57,062
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,804/mo
Today · 4.125%
HK$60,641
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,282/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,481
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,184
−HK$1,727/mo
Today · 4.125%
HK$66,911
baseline
▲ 0.50% · 4.625%
HK$70,438
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,822/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,475
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,605
−HK$2,164/mo
Today · 4.125%
HK$72,769
baseline
▲ 0.50% · 4.625%
HK$77,197
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,538/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,178
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,221
−HK$2,072/mo
Today · 4.125%
HK$80,293
baseline
▲ 0.50% · 4.625%
HK$84,526
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,586/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,887
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,372
−HK$2,525/mo
Today · 4.125%
HK$84,897
baseline
▲ 0.50% · 4.625%
HK$90,063
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,794/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,874
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,258
−HK$2,418/mo
Today · 4.125%
HK$93,676
baseline
▲ 0.50% · 4.625%
HK$98,613
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,352/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,712
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,907
−HK$3,246/mo
Today · 4.125%
HK$109,153
baseline
▲ 0.50% · 4.625%
HK$115,795
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,306/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,267
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,331
−HK$3,109/mo
Today · 4.125%
HK$120,440
baseline
▲ 0.50% · 4.625%
HK$126,789
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,880/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,546 · Scale 2, in force from 26 Feb 2026)