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$57,236
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,017
−HK$1,809/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,675
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$1,732/mo
Today · 4.125%
HK$67,115
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,230/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,684
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$2,171/mo
Today · 4.125%
HK$72,991
baseline
▲ 0.50% · 4.625%
HK$77,432
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,982/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,410
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,079/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$84,783
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,131
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,623
−HK$2,533/mo
Today · 4.125%
HK$85,156
baseline
▲ 0.50% · 4.625%
HK$90,337
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,312/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,145
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,536
−HK$2,425/mo
Today · 4.125%
HK$93,961
baseline
▲ 0.50% · 4.625%
HK$98,914
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,922/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,026
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,230
−HK$3,256/mo
Today · 4.125%
HK$109,486
baseline
▲ 0.50% · 4.625%
HK$116,148
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,972/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,615
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,689
−HK$3,118/mo
Today · 4.125%
HK$120,807
baseline
▲ 0.50% · 4.625%
HK$127,175
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,614/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,787 · Scale 2, in force from 26 Feb 2026)