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$57,716
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,512
−HK$1,824/mo
Today · 4.125%
HK$61,336
baseline
▲ 0.50% · 4.625%
HK$65,068
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,672/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,209
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,931
−HK$1,747/mo
Today · 4.125%
HK$67,678
baseline
▲ 0.50% · 4.625%
HK$71,245
+HK$3,567/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,356/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,260
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,414
−HK$2,189/mo
Today · 4.125%
HK$73,603
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,206/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,051
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,096/mo
Today · 4.125%
HK$81,213
baseline
▲ 0.50% · 4.625%
HK$85,494
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,426/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,803
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,316
−HK$2,554/mo
Today · 4.125%
HK$85,870
baseline
▲ 0.50% · 4.625%
HK$91,095
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,740/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,892
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,303
−HK$2,446/mo
Today · 4.125%
HK$94,749
baseline
▲ 0.50% · 4.625%
HK$99,743
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,498/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,889
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,121
−HK$3,283/mo
Today · 4.125%
HK$110,404
baseline
▲ 0.50% · 4.625%
HK$117,122
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,808/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,576
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,676
−HK$3,144/mo
Today · 4.125%
HK$121,820
baseline
▲ 0.50% · 4.625%
HK$128,241
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,640/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,731 · Scale 2, in force from 26 Feb 2026)