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$57,626
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,821/mo
Today · 4.125%
HK$61,239
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,478/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,108
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,827
−HK$1,745/mo
Today · 4.125%
HK$67,572
baseline
▲ 0.50% · 4.625%
HK$71,133
+HK$3,561/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,144/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,151
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,302
−HK$2,185/mo
Today · 4.125%
HK$73,487
baseline
▲ 0.50% · 4.625%
HK$77,959
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,974/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,930
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,993
−HK$2,093/mo
Today · 4.125%
HK$81,086
baseline
▲ 0.50% · 4.625%
HK$85,360
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,172/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,676
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,185
−HK$2,550/mo
Today · 4.125%
HK$85,735
baseline
▲ 0.50% · 4.625%
HK$90,952
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,470/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,751
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,158
−HK$2,442/mo
Today · 4.125%
HK$94,600
baseline
▲ 0.50% · 4.625%
HK$99,587
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,200/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,726
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,953
−HK$3,278/mo
Today · 4.125%
HK$110,231
baseline
▲ 0.50% · 4.625%
HK$116,938
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,462/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,394
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,489
−HK$3,140/mo
Today · 4.125%
HK$121,629
baseline
▲ 0.50% · 4.625%
HK$128,040
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,258/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,042 · Scale 2, in force from 26 Feb 2026)