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$57,422
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,208
−HK$1,815/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,594
−HK$1,738/mo
Today · 4.125%
HK$67,332
baseline
▲ 0.50% · 4.625%
HK$70,882
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,664/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,049
−HK$2,178/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,657
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,086/mo
Today · 4.125%
HK$80,799
baseline
▲ 0.50% · 4.625%
HK$85,058
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,598/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,390
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,891
−HK$2,541/mo
Today · 4.125%
HK$85,432
baseline
▲ 0.50% · 4.625%
HK$90,630
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,864/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,433
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,832
−HK$2,433/mo
Today · 4.125%
HK$94,265
baseline
▲ 0.50% · 4.625%
HK$99,234
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,530/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,359
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,574
−HK$3,267/mo
Today · 4.125%
HK$109,841
baseline
▲ 0.50% · 4.625%
HK$116,524
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,682/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,986
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,070
−HK$3,128/mo
Today · 4.125%
HK$121,198
baseline
▲ 0.50% · 4.625%
HK$127,587
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,396/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,241 · Scale 2, in force from 26 Feb 2026)