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$59,085
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,923
−HK$1,867/mo
Today · 4.125%
HK$62,790
baseline
▲ 0.50% · 4.625%
HK$66,611
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,580/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,731
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,494
−HK$1,789/mo
Today · 4.125%
HK$69,283
baseline
▲ 0.50% · 4.625%
HK$72,935
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,566/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,902
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,107
−HK$2,241/mo
Today · 4.125%
HK$75,348
baseline
▲ 0.50% · 4.625%
HK$79,933
+HK$4,585/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,696/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,878
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,993
−HK$2,146/mo
Today · 4.125%
HK$83,139
baseline
▲ 0.50% · 4.625%
HK$87,522
+HK$4,383/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,278/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,719
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,292
−HK$2,614/mo
Today · 4.125%
HK$87,906
baseline
▲ 0.50% · 4.625%
HK$93,255
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,812/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,024
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,492
−HK$2,504/mo
Today · 4.125%
HK$96,996
baseline
▲ 0.50% · 4.625%
HK$102,109
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,992/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,353
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,661
−HK$3,361/mo
Today · 4.125%
HK$113,022
baseline
▲ 0.50% · 4.625%
HK$119,899
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,044/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,317
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,490
−HK$3,219/mo
Today · 4.125%
HK$124,709
baseline
▲ 0.50% · 4.625%
HK$131,282
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,418/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,241 · Scale 2, in force from 26 Feb 2026)