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$57,375
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,159
−HK$1,813/mo
Today · 4.125%
HK$60,972
baseline
▲ 0.50% · 4.625%
HK$64,683
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,944/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,829
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,541
−HK$1,736/mo
Today · 4.125%
HK$67,277
baseline
▲ 0.50% · 4.625%
HK$70,823
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,554/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,850
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,991
−HK$2,176/mo
Today · 4.125%
HK$73,167
baseline
▲ 0.50% · 4.625%
HK$77,619
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,334/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,594
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,649
−HK$2,084/mo
Today · 4.125%
HK$80,733
baseline
▲ 0.50% · 4.625%
HK$84,988
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,466/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,324
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,823
−HK$2,538/mo
Today · 4.125%
HK$85,361
baseline
▲ 0.50% · 4.625%
HK$90,556
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,722/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,360
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,757
−HK$2,431/mo
Today · 4.125%
HK$94,188
baseline
▲ 0.50% · 4.625%
HK$99,153
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,376/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,274
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,487
−HK$3,263/mo
Today · 4.125%
HK$109,750
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$6,679/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,500/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,892
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,973
−HK$3,126/mo
Today · 4.125%
HK$121,099
baseline
▲ 0.50% · 4.625%
HK$127,482
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,198/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,363 · Scale 2, in force from 26 Feb 2026)