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$57,350
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,134
−HK$1,812/mo
Today · 4.125%
HK$60,946
baseline
▲ 0.50% · 4.625%
HK$64,655
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,892/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,801
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,512
−HK$1,736/mo
Today · 4.125%
HK$67,248
baseline
▲ 0.50% · 4.625%
HK$70,793
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,496/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,820
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,961
−HK$2,175/mo
Today · 4.125%
HK$73,136
baseline
▲ 0.50% · 4.625%
HK$77,586
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,272/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,562
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,615
−HK$2,083/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$84,952
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,290
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,787
−HK$2,538/mo
Today · 4.125%
HK$85,325
baseline
▲ 0.50% · 4.625%
HK$90,517
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,650/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,322
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,431/mo
Today · 4.125%
HK$94,148
baseline
▲ 0.50% · 4.625%
HK$99,110
+HK$4,962/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,296/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,230
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,441
−HK$3,262/mo
Today · 4.125%
HK$109,703
baseline
▲ 0.50% · 4.625%
HK$116,379
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,406/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,842
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,922
−HK$3,125/mo
Today · 4.125%
HK$121,047
baseline
▲ 0.50% · 4.625%
HK$127,427
+HK$6,380/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,094/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,904 · Scale 2, in force from 26 Feb 2026)