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$57,463
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,250
−HK$1,816/mo
Today · 4.125%
HK$61,066
baseline
▲ 0.50% · 4.625%
HK$64,782
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,132/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,927
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,641
−HK$1,740/mo
Today · 4.125%
HK$67,381
baseline
▲ 0.50% · 4.625%
HK$70,932
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,762/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,100
−HK$2,180/mo
Today · 4.125%
HK$73,280
baseline
▲ 0.50% · 4.625%
HK$77,739
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,560/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,712
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,770
−HK$2,087/mo
Today · 4.125%
HK$80,857
baseline
▲ 0.50% · 4.625%
HK$85,119
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,714/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,448
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,951
−HK$2,542/mo
Today · 4.125%
HK$85,493
baseline
▲ 0.50% · 4.625%
HK$90,695
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,986/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,498
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,898
−HK$2,435/mo
Today · 4.125%
HK$94,333
baseline
▲ 0.50% · 4.625%
HK$99,305
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,666/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,433
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,651
−HK$3,269/mo
Today · 4.125%
HK$109,920
baseline
▲ 0.50% · 4.625%
HK$116,608
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,840/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,069
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,155
−HK$3,130/mo
Today · 4.125%
HK$121,285
baseline
▲ 0.50% · 4.625%
HK$127,678
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,570/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,010 · Scale 2, in force from 26 Feb 2026)