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$59,063
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,900
−HK$1,867/mo
Today · 4.125%
HK$62,767
baseline
▲ 0.50% · 4.625%
HK$66,586
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,534/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,707
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,469
−HK$1,788/mo
Today · 4.125%
HK$69,257
baseline
▲ 0.50% · 4.625%
HK$72,908
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,514/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,876
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,081
−HK$2,239/mo
Today · 4.125%
HK$75,320
baseline
▲ 0.50% · 4.625%
HK$79,903
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,640/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,849
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,963
−HK$2,146/mo
Today · 4.125%
HK$83,109
baseline
▲ 0.50% · 4.625%
HK$87,489
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,218/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,689
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,261
−HK$2,613/mo
Today · 4.125%
HK$87,874
baseline
▲ 0.50% · 4.625%
HK$93,221
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,748/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,990
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,457
−HK$2,503/mo
Today · 4.125%
HK$96,960
baseline
▲ 0.50% · 4.625%
HK$102,071
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,920/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,314
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,621
−HK$3,360/mo
Today · 4.125%
HK$112,981
baseline
▲ 0.50% · 4.625%
HK$119,855
+HK$6,874/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,962/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,273
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,445
−HK$3,218/mo
Today · 4.125%
HK$124,663
baseline
▲ 0.50% · 4.625%
HK$131,234
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,326/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,836 · Scale 2, in force from 26 Feb 2026)