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$57,611
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,403
−HK$1,821/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,949
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,092
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,811
−HK$1,744/mo
Today · 4.125%
HK$67,555
baseline
▲ 0.50% · 4.625%
HK$71,116
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,110/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,134
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,284
−HK$2,185/mo
Today · 4.125%
HK$73,469
baseline
▲ 0.50% · 4.625%
HK$77,939
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,938/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,910
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,973
−HK$2,093/mo
Today · 4.125%
HK$81,066
baseline
▲ 0.50% · 4.625%
HK$85,339
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,132/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,656
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,549/mo
Today · 4.125%
HK$85,714
baseline
▲ 0.50% · 4.625%
HK$90,929
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,428/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,729
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,135
−HK$2,442/mo
Today · 4.125%
HK$94,577
baseline
▲ 0.50% · 4.625%
HK$99,562
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,154/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,700
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,926
−HK$3,277/mo
Today · 4.125%
HK$110,203
baseline
▲ 0.50% · 4.625%
HK$116,909
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,406/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,366
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,460
−HK$3,139/mo
Today · 4.125%
HK$121,599
baseline
▲ 0.50% · 4.625%
HK$128,008
+HK$6,409/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,198/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,775 · Scale 2, in force from 26 Feb 2026)