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$57,467
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,255
−HK$1,816/mo
Today · 4.125%
HK$61,071
baseline
▲ 0.50% · 4.625%
HK$64,787
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,142/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,932
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$1,740/mo
Today · 4.125%
HK$67,386
baseline
▲ 0.50% · 4.625%
HK$70,938
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,772/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,961
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,106
−HK$2,179/mo
Today · 4.125%
HK$73,285
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,570/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,718
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,776
−HK$2,087/mo
Today · 4.125%
HK$80,863
baseline
▲ 0.50% · 4.625%
HK$85,125
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,726/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,454
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,957
−HK$2,542/mo
Today · 4.125%
HK$85,499
baseline
▲ 0.50% · 4.625%
HK$90,702
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,998/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,504
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,905
−HK$2,435/mo
Today · 4.125%
HK$94,340
baseline
▲ 0.50% · 4.625%
HK$99,313
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,680/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,441
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,659
−HK$3,269/mo
Today · 4.125%
HK$109,928
baseline
▲ 0.50% · 4.625%
HK$116,617
+HK$6,689/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,856/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,077
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,163
−HK$3,131/mo
Today · 4.125%
HK$121,294
baseline
▲ 0.50% · 4.625%
HK$127,688
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,588/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,090 · Scale 2, in force from 26 Feb 2026)