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$57,591
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,383
−HK$1,820/mo
Today · 4.125%
HK$61,203
baseline
▲ 0.50% · 4.625%
HK$64,927
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,406/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,070
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,788
−HK$1,743/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,091
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,110
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,259
−HK$2,184/mo
Today · 4.125%
HK$73,443
baseline
▲ 0.50% · 4.625%
HK$77,912
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,886/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,884
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,946
−HK$2,092/mo
Today · 4.125%
HK$81,038
baseline
▲ 0.50% · 4.625%
HK$85,309
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,076/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,136
−HK$2,548/mo
Today · 4.125%
HK$85,684
baseline
▲ 0.50% · 4.625%
HK$90,898
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,368/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,698
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,441/mo
Today · 4.125%
HK$94,544
baseline
▲ 0.50% · 4.625%
HK$99,527
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,088/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,665
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,889
−HK$3,276/mo
Today · 4.125%
HK$110,165
baseline
▲ 0.50% · 4.625%
HK$116,868
+HK$6,703/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,330/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,326
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,419
−HK$3,137/mo
Today · 4.125%
HK$121,556
baseline
▲ 0.50% · 4.625%
HK$127,964
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,112/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,404 · Scale 2, in force from 26 Feb 2026)