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$59,037
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,874
−HK$1,865/mo
Today · 4.125%
HK$62,739
baseline
▲ 0.50% · 4.625%
HK$66,557
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,478/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,678
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,440
−HK$1,787/mo
Today · 4.125%
HK$69,227
baseline
▲ 0.50% · 4.625%
HK$72,876
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,454/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,845
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,048
−HK$2,239/mo
Today · 4.125%
HK$75,287
baseline
▲ 0.50% · 4.625%
HK$79,868
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,574/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,814
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,928
−HK$2,144/mo
Today · 4.125%
HK$83,072
baseline
▲ 0.50% · 4.625%
HK$87,451
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,144/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,652
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,223
−HK$2,612/mo
Today · 4.125%
HK$87,835
baseline
▲ 0.50% · 4.625%
HK$93,180
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,670/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,950
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,416
−HK$2,502/mo
Today · 4.125%
HK$96,918
baseline
▲ 0.50% · 4.625%
HK$102,026
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,836/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,267
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,573
−HK$3,358/mo
Today · 4.125%
HK$112,931
baseline
▲ 0.50% · 4.625%
HK$119,803
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,862/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,221
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,392
−HK$3,216/mo
Today · 4.125%
HK$124,608
baseline
▲ 0.50% · 4.625%
HK$131,177
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,216/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,353 · Scale 2, in force from 26 Feb 2026)