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$56,948
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,720
−HK$1,800/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,354
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,054
−HK$1,723/mo
Today · 4.125%
HK$66,777
baseline
▲ 0.50% · 4.625%
HK$70,297
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,554/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,338
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,464
−HK$2,159/mo
Today · 4.125%
HK$72,623
baseline
▲ 0.50% · 4.625%
HK$77,042
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,246/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,025
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,064
−HK$2,069/mo
Today · 4.125%
HK$80,133
baseline
▲ 0.50% · 4.625%
HK$84,357
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,266/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,728
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,208
−HK$2,519/mo
Today · 4.125%
HK$84,727
baseline
▲ 0.50% · 4.625%
HK$89,883
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,454/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,696
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,075
−HK$2,413/mo
Today · 4.125%
HK$93,488
baseline
▲ 0.50% · 4.625%
HK$98,416
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,976/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,507
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,696
−HK$3,239/mo
Today · 4.125%
HK$108,935
baseline
▲ 0.50% · 4.625%
HK$115,564
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,870/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,038
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,097
−HK$3,102/mo
Today · 4.125%
HK$120,199
baseline
▲ 0.50% · 4.625%
HK$126,535
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,398/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,419 · Scale 2, in force from 26 Feb 2026)