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$57,912
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,713
−HK$1,831/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,427
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,154
−HK$1,753/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$71,487
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,494
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,656
−HK$2,196/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$78,346
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,312
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,385
−HK$2,104/mo
Today · 4.125%
HK$81,489
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,978/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,077
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,599
−HK$2,562/mo
Today · 4.125%
HK$86,161
baseline
▲ 0.50% · 4.625%
HK$91,404
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,322/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,197
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,616
−HK$2,454/mo
Today · 4.125%
HK$95,070
baseline
▲ 0.50% · 4.625%
HK$100,082
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,140/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,242
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,484
−HK$3,295/mo
Today · 4.125%
HK$110,779
baseline
▲ 0.50% · 4.625%
HK$117,519
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,558/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,968
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,078
−HK$3,155/mo
Today · 4.125%
HK$122,233
baseline
▲ 0.50% · 4.625%
HK$128,676
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,466/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,381 · Scale 2, in force from 26 Feb 2026)