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$57,312
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,811/mo
Today · 4.125%
HK$60,906
baseline
▲ 0.50% · 4.625%
HK$64,612
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,812/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,759
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,469
−HK$1,735/mo
Today · 4.125%
HK$67,204
baseline
▲ 0.50% · 4.625%
HK$70,746
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,408/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,775
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,914
−HK$2,173/mo
Today · 4.125%
HK$73,087
baseline
▲ 0.50% · 4.625%
HK$77,535
+HK$4,448/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,174/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,511
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,563
−HK$2,082/mo
Today · 4.125%
HK$80,645
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,290/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,237
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,733
−HK$2,536/mo
Today · 4.125%
HK$85,269
baseline
▲ 0.50% · 4.625%
HK$90,457
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,538/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,263
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,657
−HK$2,428/mo
Today · 4.125%
HK$94,085
baseline
▲ 0.50% · 4.625%
HK$99,045
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,170/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,162
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,371
−HK$3,260/mo
Today · 4.125%
HK$109,631
baseline
▲ 0.50% · 4.625%
HK$116,302
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,262/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,767
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,845
−HK$3,122/mo
Today · 4.125%
HK$120,967
baseline
▲ 0.50% · 4.625%
HK$127,343
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,934/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,199 · Scale 2, in force from 26 Feb 2026)