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$58,176
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,985
−HK$1,839/mo
Today · 4.125%
HK$61,824
baseline
▲ 0.50% · 4.625%
HK$65,585
+HK$3,761/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,648/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,720
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,455
−HK$1,761/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$71,812
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,811
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,982
−HK$2,206/mo
Today · 4.125%
HK$74,188
baseline
▲ 0.50% · 4.625%
HK$78,703
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,376/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,664
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,747
−HK$2,113/mo
Today · 4.125%
HK$81,860
baseline
▲ 0.50% · 4.625%
HK$86,174
+HK$4,314/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,720/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,446
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,979
−HK$2,574/mo
Today · 4.125%
HK$86,553
baseline
▲ 0.50% · 4.625%
HK$91,820
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,106/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,608
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,038
−HK$2,465/mo
Today · 4.125%
HK$95,503
baseline
▲ 0.50% · 4.625%
HK$100,537
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,006/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,716
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,973
−HK$3,310/mo
Today · 4.125%
HK$111,283
baseline
▲ 0.50% · 4.625%
HK$118,054
+HK$6,771/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,566/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,495
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,620
−HK$3,169/mo
Today · 4.125%
HK$122,789
baseline
▲ 0.50% · 4.625%
HK$129,262
+HK$6,473/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,578/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,291 · Scale 2, in force from 26 Feb 2026)