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$59,103
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,942
−HK$1,868/mo
Today · 4.125%
HK$62,810
baseline
▲ 0.50% · 4.625%
HK$66,632
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,620/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,752
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,515
−HK$1,789/mo
Today · 4.125%
HK$69,304
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,608/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,924
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,130
−HK$2,242/mo
Today · 4.125%
HK$75,372
baseline
▲ 0.50% · 4.625%
HK$79,958
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,744/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,902
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,018
−HK$2,147/mo
Today · 4.125%
HK$83,165
baseline
▲ 0.50% · 4.625%
HK$87,549
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,330/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,745
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,319
−HK$2,615/mo
Today · 4.125%
HK$87,934
baseline
▲ 0.50% · 4.625%
HK$93,284
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,868/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,053
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,522
−HK$2,504/mo
Today · 4.125%
HK$97,026
baseline
▲ 0.50% · 4.625%
HK$102,140
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,052/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,386
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,695
−HK$3,362/mo
Today · 4.125%
HK$113,057
baseline
▲ 0.50% · 4.625%
HK$119,937
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,353
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,528
−HK$3,220/mo
Today · 4.125%
HK$124,748
baseline
▲ 0.50% · 4.625%
HK$131,323
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,496/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,585 · Scale 2, in force from 26 Feb 2026)