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$58,232
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,044
−HK$1,840/mo
Today · 4.125%
HK$61,884
baseline
▲ 0.50% · 4.625%
HK$65,650
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,768/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,783
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,520
−HK$1,763/mo
Today · 4.125%
HK$68,283
baseline
▲ 0.50% · 4.625%
HK$71,882
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,566/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,052
−HK$2,209/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$4,518/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,739
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,824
−HK$2,116/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,319/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,525
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,061
−HK$2,577/mo
Today · 4.125%
HK$86,638
baseline
▲ 0.50% · 4.625%
HK$91,909
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,276/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,696
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,128
−HK$2,468/mo
Today · 4.125%
HK$95,596
baseline
▲ 0.50% · 4.625%
HK$100,635
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,192/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,818
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,079
−HK$3,312/mo
Today · 4.125%
HK$111,391
baseline
▲ 0.50% · 4.625%
HK$118,169
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,782/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,609
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,737
−HK$3,172/mo
Today · 4.125%
HK$122,909
baseline
▲ 0.50% · 4.625%
HK$129,388
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,818/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,350 · Scale 2, in force from 26 Feb 2026)