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$58,093
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,900
−HK$1,836/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$65,492
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,361
−HK$1,758/mo
Today · 4.125%
HK$68,119
baseline
▲ 0.50% · 4.625%
HK$71,710
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,238/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,712
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$2,203/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,553
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,110/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,052
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,330
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,860
−HK$2,570/mo
Today · 4.125%
HK$86,430
baseline
▲ 0.50% · 4.625%
HK$91,689
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,860/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,479
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,906
−HK$2,461/mo
Today · 4.125%
HK$95,367
baseline
▲ 0.50% · 4.625%
HK$100,394
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,734/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,567
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,820
−HK$3,305/mo
Today · 4.125%
HK$111,125
baseline
▲ 0.50% · 4.625%
HK$117,886
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,250/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,330
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,450
−HK$3,165/mo
Today · 4.125%
HK$122,615
baseline
▲ 0.50% · 4.625%
HK$129,078
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,752 · Scale 2, in force from 26 Feb 2026)