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$59,086
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,924
−HK$1,867/mo
Today · 4.125%
HK$62,791
baseline
▲ 0.50% · 4.625%
HK$66,612
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,582/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,732
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$1,789/mo
Today · 4.125%
HK$69,284
baseline
▲ 0.50% · 4.625%
HK$72,936
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,568/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,903
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,108
−HK$2,241/mo
Today · 4.125%
HK$75,349
baseline
▲ 0.50% · 4.625%
HK$79,934
+HK$4,585/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,698/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,879
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,994
−HK$2,146/mo
Today · 4.125%
HK$83,140
baseline
▲ 0.50% · 4.625%
HK$87,523
+HK$4,383/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,280/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,720
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,293
−HK$2,614/mo
Today · 4.125%
HK$87,907
baseline
▲ 0.50% · 4.625%
HK$93,256
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,814/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,025
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,493
−HK$2,504/mo
Today · 4.125%
HK$96,997
baseline
▲ 0.50% · 4.625%
HK$102,110
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,994/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,354
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,662
−HK$3,362/mo
Today · 4.125%
HK$113,024
baseline
▲ 0.50% · 4.625%
HK$119,901
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,048/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,318
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,491
−HK$3,219/mo
Today · 4.125%
HK$124,710
baseline
▲ 0.50% · 4.625%
HK$131,284
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,420/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,255 · Scale 2, in force from 26 Feb 2026)