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$57,359
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,143
−HK$1,813/mo
Today · 4.125%
HK$60,956
baseline
▲ 0.50% · 4.625%
HK$64,665
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,912/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,811
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,523
−HK$1,736/mo
Today · 4.125%
HK$67,259
baseline
▲ 0.50% · 4.625%
HK$70,804
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,518/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,972
−HK$2,175/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,598
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,574
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,084/mo
Today · 4.125%
HK$80,711
baseline
▲ 0.50% · 4.625%
HK$84,965
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,422/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,801
−HK$2,537/mo
Today · 4.125%
HK$85,338
baseline
▲ 0.50% · 4.625%
HK$90,531
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,676/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,336
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,732
−HK$2,431/mo
Today · 4.125%
HK$94,163
baseline
▲ 0.50% · 4.625%
HK$99,126
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,326/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,246
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,458
−HK$3,263/mo
Today · 4.125%
HK$109,721
baseline
▲ 0.50% · 4.625%
HK$116,397
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,442/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,861
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,941
−HK$3,125/mo
Today · 4.125%
HK$121,066
baseline
▲ 0.50% · 4.625%
HK$127,448
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,132/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,074 · Scale 2, in force from 26 Feb 2026)