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$57,196
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,975
−HK$1,808/mo
Today · 4.125%
HK$60,783
baseline
▲ 0.50% · 4.625%
HK$64,481
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,566/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,630
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,337
−HK$1,731/mo
Today · 4.125%
HK$67,068
baseline
▲ 0.50% · 4.625%
HK$70,603
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,136/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,636
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,770
−HK$2,170/mo
Today · 4.125%
HK$72,940
baseline
▲ 0.50% · 4.625%
HK$77,378
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,880/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,356
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,404
−HK$2,078/mo
Today · 4.125%
HK$80,482
baseline
▲ 0.50% · 4.625%
HK$84,724
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,964/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,075
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,530/mo
Today · 4.125%
HK$85,096
baseline
▲ 0.50% · 4.625%
HK$90,274
+HK$5,178/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,192/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,082
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,472
−HK$2,423/mo
Today · 4.125%
HK$93,895
baseline
▲ 0.50% · 4.625%
HK$98,845
+HK$4,950/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,790/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,953
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,156
−HK$3,253/mo
Today · 4.125%
HK$109,409
baseline
▲ 0.50% · 4.625%
HK$116,067
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,818/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,534
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,606
−HK$3,116/mo
Today · 4.125%
HK$120,722
baseline
▲ 0.50% · 4.625%
HK$127,086
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,444/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,039 · Scale 2, in force from 26 Feb 2026)