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$57,845
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,644
−HK$1,829/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,352
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,078
−HK$1,751/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,404
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,414
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,573
−HK$2,194/mo
Today · 4.125%
HK$73,767
baseline
▲ 0.50% · 4.625%
HK$78,256
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,534/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,223
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,294
−HK$2,101/mo
Today · 4.125%
HK$81,395
baseline
▲ 0.50% · 4.625%
HK$85,685
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,790/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,983
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,502
−HK$2,560/mo
Today · 4.125%
HK$86,062
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,124/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,093
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,509
−HK$2,451/mo
Today · 4.125%
HK$94,960
baseline
▲ 0.50% · 4.625%
HK$99,966
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,920/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,121
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,360
−HK$3,291/mo
Today · 4.125%
HK$110,651
baseline
▲ 0.50% · 4.625%
HK$117,383
+HK$6,732/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,302/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,834
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,940
−HK$3,152/mo
Today · 4.125%
HK$122,092
baseline
▲ 0.50% · 4.625%
HK$128,528
+HK$6,436/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,184/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,133 · Scale 2, in force from 26 Feb 2026)