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$56,967
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,801/mo
Today · 4.125%
HK$60,540
baseline
▲ 0.50% · 4.625%
HK$64,224
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,080/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,376
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,075
−HK$1,725/mo
Today · 4.125%
HK$66,800
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,600/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,361
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$2,161/mo
Today · 4.125%
HK$72,648
baseline
▲ 0.50% · 4.625%
HK$77,068
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,296/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,051
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,091
−HK$2,069/mo
Today · 4.125%
HK$80,160
baseline
▲ 0.50% · 4.625%
HK$84,385
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,320/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,754
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,235
−HK$2,521/mo
Today · 4.125%
HK$84,756
baseline
▲ 0.50% · 4.625%
HK$89,913
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,512/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,726
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,106
−HK$2,414/mo
Today · 4.125%
HK$93,520
baseline
▲ 0.50% · 4.625%
HK$98,449
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,040/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,541
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,731
−HK$3,241/mo
Today · 4.125%
HK$108,972
baseline
▲ 0.50% · 4.625%
HK$115,602
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,944/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,076
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,136
−HK$3,104/mo
Today · 4.125%
HK$120,240
baseline
▲ 0.50% · 4.625%
HK$126,578
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,480/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,775 · Scale 2, in force from 26 Feb 2026)