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$56,902
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,672
−HK$1,798/mo
Today · 4.125%
HK$60,470
baseline
▲ 0.50% · 4.625%
HK$64,149
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,940/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,302
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,000
−HK$1,722/mo
Today · 4.125%
HK$66,722
baseline
▲ 0.50% · 4.625%
HK$70,240
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,444/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,282
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,406
−HK$2,158/mo
Today · 4.125%
HK$72,564
baseline
▲ 0.50% · 4.625%
HK$76,979
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,128/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,963
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,000
−HK$2,067/mo
Today · 4.125%
HK$80,067
baseline
▲ 0.50% · 4.625%
HK$84,287
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,134/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,662
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,140
−HK$2,518/mo
Today · 4.125%
HK$84,658
baseline
▲ 0.50% · 4.625%
HK$89,809
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,316/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,623
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,000
−HK$2,411/mo
Today · 4.125%
HK$93,411
baseline
▲ 0.50% · 4.625%
HK$98,335
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,822/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,423
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,609
−HK$3,237/mo
Today · 4.125%
HK$108,846
baseline
▲ 0.50% · 4.625%
HK$115,469
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,692/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,944
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,000
−HK$3,100/mo
Today · 4.125%
HK$120,100
baseline
▲ 0.50% · 4.625%
HK$126,431
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,200/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,547 · Scale 2, in force from 26 Feb 2026)