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$57,567
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,358
−HK$1,819/mo
Today · 4.125%
HK$61,177
baseline
▲ 0.50% · 4.625%
HK$64,900
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,354/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,043
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,760
−HK$1,743/mo
Today · 4.125%
HK$67,503
baseline
▲ 0.50% · 4.625%
HK$71,061
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,006/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,081
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,229
−HK$2,183/mo
Today · 4.125%
HK$73,412
baseline
▲ 0.50% · 4.625%
HK$77,879
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,824/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,851
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,913
−HK$2,090/mo
Today · 4.125%
HK$81,003
baseline
▲ 0.50% · 4.625%
HK$85,273
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,006/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,594
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,101
−HK$2,547/mo
Today · 4.125%
HK$85,648
baseline
▲ 0.50% · 4.625%
HK$90,859
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,296/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,660
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,065
−HK$2,439/mo
Today · 4.125%
HK$94,504
baseline
▲ 0.50% · 4.625%
HK$99,485
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,008/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,621
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,844
−HK$3,275/mo
Today · 4.125%
HK$110,119
baseline
▲ 0.50% · 4.625%
HK$116,819
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,238/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,277
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,369
−HK$3,136/mo
Today · 4.125%
HK$121,505
baseline
▲ 0.50% · 4.625%
HK$127,910
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,010/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,951 · Scale 2, in force from 26 Feb 2026)