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$57,070
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,803/mo
Today · 4.125%
HK$60,648
baseline
▲ 0.50% · 4.625%
HK$64,339
+HK$3,691/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,296/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,489
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,192
−HK$1,727/mo
Today · 4.125%
HK$66,919
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,838/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,483
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$2,164/mo
Today · 4.125%
HK$72,778
baseline
▲ 0.50% · 4.625%
HK$77,206
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,556/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,187
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,073/mo
Today · 4.125%
HK$80,303
baseline
▲ 0.50% · 4.625%
HK$84,536
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,606/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,897
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,383
−HK$2,525/mo
Today · 4.125%
HK$84,908
baseline
▲ 0.50% · 4.625%
HK$90,074
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,816/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,885
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,269
−HK$2,418/mo
Today · 4.125%
HK$93,687
baseline
▲ 0.50% · 4.625%
HK$98,626
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,374/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,725
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,920
−HK$3,247/mo
Today · 4.125%
HK$109,167
baseline
▲ 0.50% · 4.625%
HK$115,809
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,334/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,281
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,346
−HK$3,109/mo
Today · 4.125%
HK$120,455
baseline
▲ 0.50% · 4.625%
HK$126,804
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,910/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,677 · Scale 2, in force from 26 Feb 2026)