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$57,049
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,803/mo
Today · 4.125%
HK$60,626
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,252/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,466
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,727/mo
Today · 4.125%
HK$66,895
baseline
▲ 0.50% · 4.625%
HK$70,421
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,790/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,458
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,588
−HK$2,163/mo
Today · 4.125%
HK$72,751
baseline
▲ 0.50% · 4.625%
HK$77,178
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,502/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,202
−HK$2,072/mo
Today · 4.125%
HK$80,274
baseline
▲ 0.50% · 4.625%
HK$84,505
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,548/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,868
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,352
−HK$2,524/mo
Today · 4.125%
HK$84,876
baseline
▲ 0.50% · 4.625%
HK$90,041
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,752/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,852
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,235
−HK$2,418/mo
Today · 4.125%
HK$93,653
baseline
▲ 0.50% · 4.625%
HK$98,589
+HK$4,936/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,306/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,687
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,882
−HK$3,245/mo
Today · 4.125%
HK$109,127
baseline
▲ 0.50% · 4.625%
HK$115,767
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,254/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,239
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,303
−HK$3,108/mo
Today · 4.125%
HK$120,411
baseline
▲ 0.50% · 4.625%
HK$126,758
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,822/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,287 · Scale 2, in force from 26 Feb 2026)