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$57,958
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,832/mo
Today · 4.125%
HK$61,592
baseline
▲ 0.50% · 4.625%
HK$65,340
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,184/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,477
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,206
−HK$1,755/mo
Today · 4.125%
HK$67,961
baseline
▲ 0.50% · 4.625%
HK$71,543
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,922/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,549
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$2,198/mo
Today · 4.125%
HK$73,910
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,820/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,373
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,448
−HK$2,105/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$85,852
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,141
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,665
−HK$2,564/mo
Today · 4.125%
HK$86,229
baseline
▲ 0.50% · 4.625%
HK$91,476
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,458/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,268
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,689
−HK$2,456/mo
Today · 4.125%
HK$95,145
baseline
▲ 0.50% · 4.625%
HK$100,160
+HK$5,015/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,290/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,324
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,569
−HK$3,297/mo
Today · 4.125%
HK$110,866
baseline
▲ 0.50% · 4.625%
HK$117,612
+HK$6,746/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,732/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,059
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,172
−HK$3,157/mo
Today · 4.125%
HK$122,329
baseline
▲ 0.50% · 4.625%
HK$128,777
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,658/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,228 · Scale 2, in force from 26 Feb 2026)