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$58,782
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,610
−HK$1,858/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$66,269
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,394
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,148
−HK$1,779/mo
Today · 4.125%
HK$68,927
baseline
▲ 0.50% · 4.625%
HK$72,560
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,854/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,538
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,732
−HK$2,229/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$79,523
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,473
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,135/mo
Today · 4.125%
HK$82,712
baseline
▲ 0.50% · 4.625%
HK$87,072
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,424/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,294
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,854
−HK$2,601/mo
Today · 4.125%
HK$87,455
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,910/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,552
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,007
−HK$2,491/mo
Today · 4.125%
HK$96,498
baseline
▲ 0.50% · 4.625%
HK$101,584
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,996/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,807
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,098
−HK$3,344/mo
Today · 4.125%
HK$112,442
baseline
▲ 0.50% · 4.625%
HK$119,284
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,884/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,709
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,866
−HK$3,203/mo
Today · 4.125%
HK$124,069
baseline
▲ 0.50% · 4.625%
HK$130,608
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,138/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,587 · Scale 2, in force from 26 Feb 2026)