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$57,561
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,819/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,892
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$1,742/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,073
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,221
−HK$2,183/mo
Today · 4.125%
HK$73,404
baseline
▲ 0.50% · 4.625%
HK$77,871
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,808/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,843
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,904
−HK$2,090/mo
Today · 4.125%
HK$80,994
baseline
▲ 0.50% · 4.625%
HK$85,264
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$161,988/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,585
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,091
−HK$2,547/mo
Today · 4.125%
HK$85,638
baseline
▲ 0.50% · 4.625%
HK$90,849
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,276/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,650
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,054
−HK$2,439/mo
Today · 4.125%
HK$94,493
baseline
▲ 0.50% · 4.625%
HK$99,474
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,986/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,609
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,832
−HK$3,274/mo
Today · 4.125%
HK$110,106
baseline
▲ 0.50% · 4.625%
HK$116,806
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,212/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,264
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,355
−HK$3,136/mo
Today · 4.125%
HK$121,491
baseline
▲ 0.50% · 4.625%
HK$127,895
+HK$6,404/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,982/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,829 · Scale 2, in force from 26 Feb 2026)