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$57,956
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,758
−HK$1,832/mo
Today · 4.125%
HK$61,590
baseline
▲ 0.50% · 4.625%
HK$65,337
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,180/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,475
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,204
−HK$1,754/mo
Today · 4.125%
HK$67,958
baseline
▲ 0.50% · 4.625%
HK$71,540
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,916/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,547
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,710
−HK$2,198/mo
Today · 4.125%
HK$73,908
baseline
▲ 0.50% · 4.625%
HK$78,405
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,816/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,370
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,445
−HK$2,105/mo
Today · 4.125%
HK$81,550
baseline
▲ 0.50% · 4.625%
HK$85,849
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,100/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,138
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,662
−HK$2,564/mo
Today · 4.125%
HK$86,226
baseline
▲ 0.50% · 4.625%
HK$91,472
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,452/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,265
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,686
−HK$2,456/mo
Today · 4.125%
HK$95,142
baseline
▲ 0.50% · 4.625%
HK$100,157
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,284/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,320
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,565
−HK$3,297/mo
Today · 4.125%
HK$110,862
baseline
▲ 0.50% · 4.625%
HK$117,607
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,724/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,055
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,167
−HK$3,158/mo
Today · 4.125%
HK$122,325
baseline
▲ 0.50% · 4.625%
HK$128,773
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,650/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,190 · Scale 2, in force from 26 Feb 2026)