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$57,901
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,702
−HK$1,830/mo
Today · 4.125%
HK$61,532
baseline
▲ 0.50% · 4.625%
HK$65,276
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,064/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,414
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,142
−HK$1,752/mo
Today · 4.125%
HK$67,894
baseline
▲ 0.50% · 4.625%
HK$71,473
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,788/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,481
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,642
−HK$2,196/mo
Today · 4.125%
HK$73,838
baseline
▲ 0.50% · 4.625%
HK$78,331
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,676/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,297
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,370
−HK$2,103/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$85,768
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,061
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,583
−HK$2,562/mo
Today · 4.125%
HK$86,145
baseline
▲ 0.50% · 4.625%
HK$91,386
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,290/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,180
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,599
−HK$2,453/mo
Today · 4.125%
HK$95,052
baseline
▲ 0.50% · 4.625%
HK$100,063
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,104/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,222
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,464
−HK$3,293/mo
Today · 4.125%
HK$110,757
baseline
▲ 0.50% · 4.625%
HK$117,497
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,514/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,946
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,055
−HK$3,155/mo
Today · 4.125%
HK$122,210
baseline
▲ 0.50% · 4.625%
HK$128,652
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,420/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,175 · Scale 2, in force from 26 Feb 2026)