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$57,642
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,435
−HK$1,822/mo
Today · 4.125%
HK$61,257
baseline
▲ 0.50% · 4.625%
HK$64,984
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,514/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,126
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,846
−HK$1,745/mo
Today · 4.125%
HK$67,591
baseline
▲ 0.50% · 4.625%
HK$71,154
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,182/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,322
−HK$2,186/mo
Today · 4.125%
HK$73,508
baseline
▲ 0.50% · 4.625%
HK$77,981
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,016/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,952
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,015
−HK$2,094/mo
Today · 4.125%
HK$81,109
baseline
▲ 0.50% · 4.625%
HK$85,384
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,218/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,699
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,209
−HK$2,551/mo
Today · 4.125%
HK$85,760
baseline
▲ 0.50% · 4.625%
HK$90,978
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,520/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,777
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,185
−HK$2,442/mo
Today · 4.125%
HK$94,627
baseline
▲ 0.50% · 4.625%
HK$99,615
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,254/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,756
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,983
−HK$3,279/mo
Today · 4.125%
HK$110,262
baseline
▲ 0.50% · 4.625%
HK$116,971
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,524/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,427
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,523
−HK$3,140/mo
Today · 4.125%
HK$121,663
baseline
▲ 0.50% · 4.625%
HK$128,077
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,326/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,349 · Scale 2, in force from 26 Feb 2026)