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$57,858
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,657
−HK$1,829/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$65,227
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,366
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,092
−HK$1,752/mo
Today · 4.125%
HK$67,844
baseline
▲ 0.50% · 4.625%
HK$71,420
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,688/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,429
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,589
−HK$2,194/mo
Today · 4.125%
HK$73,783
baseline
▲ 0.50% · 4.625%
HK$78,273
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,566/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,239
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,311
−HK$2,101/mo
Today · 4.125%
HK$81,412
baseline
▲ 0.50% · 4.625%
HK$85,704
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,824/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,520
−HK$2,560/mo
Today · 4.125%
HK$86,080
baseline
▲ 0.50% · 4.625%
HK$91,318
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,160/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,113
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,529
−HK$2,452/mo
Today · 4.125%
HK$94,981
baseline
▲ 0.50% · 4.625%
HK$99,988
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,962/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,144
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,383
−HK$3,292/mo
Today · 4.125%
HK$110,675
baseline
▲ 0.50% · 4.625%
HK$117,409
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,350/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,859
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,966
−HK$3,153/mo
Today · 4.125%
HK$122,119
baseline
▲ 0.50% · 4.625%
HK$128,556
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,238/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,367 · Scale 2, in force from 26 Feb 2026)