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$57,675
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,469
−HK$1,823/mo
Today · 4.125%
HK$61,292
baseline
▲ 0.50% · 4.625%
HK$65,021
+HK$3,729/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,584/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,884
−HK$1,745/mo
Today · 4.125%
HK$67,629
baseline
▲ 0.50% · 4.625%
HK$71,194
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,258/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,210
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,363
−HK$2,187/mo
Today · 4.125%
HK$73,550
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,100/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,095/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$85,433
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,745
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,257
−HK$2,552/mo
Today · 4.125%
HK$85,809
baseline
▲ 0.50% · 4.625%
HK$91,030
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,618/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,828
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,237
−HK$2,444/mo
Today · 4.125%
HK$94,681
baseline
▲ 0.50% · 4.625%
HK$99,672
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,362/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,815
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,044
−HK$3,281/mo
Today · 4.125%
HK$110,325
baseline
▲ 0.50% · 4.625%
HK$117,038
+HK$6,713/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,650/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,493
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,591
−HK$3,142/mo
Today · 4.125%
HK$121,733
baseline
▲ 0.50% · 4.625%
HK$128,150
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,466/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,963 · Scale 2, in force from 26 Feb 2026)