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$57,618
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,411
−HK$1,821/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,819
−HK$1,744/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,293
−HK$2,185/mo
Today · 4.125%
HK$73,478
baseline
▲ 0.50% · 4.625%
HK$77,949
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,956/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,920
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,983
−HK$2,093/mo
Today · 4.125%
HK$81,076
baseline
▲ 0.50% · 4.625%
HK$85,349
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,152/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,549/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,940
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,448/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,740
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,147
−HK$2,441/mo
Today · 4.125%
HK$94,588
baseline
▲ 0.50% · 4.625%
HK$99,574
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,176/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,713
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,939
−HK$3,278/mo
Today · 4.125%
HK$110,217
baseline
▲ 0.50% · 4.625%
HK$116,923
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,434/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,380
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,474
−HK$3,139/mo
Today · 4.125%
HK$121,613
baseline
▲ 0.50% · 4.625%
HK$128,024
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,226/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,907 · Scale 2, in force from 26 Feb 2026)