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$57,062
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,803/mo
Today · 4.125%
HK$60,640
baseline
▲ 0.50% · 4.625%
HK$64,330
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,280/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,481
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,183
−HK$1,727/mo
Today · 4.125%
HK$66,910
baseline
▲ 0.50% · 4.625%
HK$70,437
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,820/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$2,164/mo
Today · 4.125%
HK$72,768
baseline
▲ 0.50% · 4.625%
HK$77,196
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,536/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,177
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,072/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$84,525
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,886
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,371
−HK$2,525/mo
Today · 4.125%
HK$84,896
baseline
▲ 0.50% · 4.625%
HK$90,062
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,792/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,873
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,256
−HK$2,418/mo
Today · 4.125%
HK$93,674
baseline
▲ 0.50% · 4.625%
HK$98,612
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,348/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,711
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$3,246/mo
Today · 4.125%
HK$109,152
baseline
▲ 0.50% · 4.625%
HK$115,794
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,304/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,265
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,330
−HK$3,108/mo
Today · 4.125%
HK$120,438
baseline
▲ 0.50% · 4.625%
HK$126,787
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,876/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,531 · Scale 2, in force from 26 Feb 2026)