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$59,045
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,881
−HK$1,866/mo
Today · 4.125%
HK$62,747
baseline
▲ 0.50% · 4.625%
HK$66,565
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,494/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,687
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,448
−HK$1,788/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$72,885
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,854
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,058
−HK$2,239/mo
Today · 4.125%
HK$75,297
baseline
▲ 0.50% · 4.625%
HK$79,879
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,594/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,824
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,938
−HK$2,145/mo
Today · 4.125%
HK$83,083
baseline
▲ 0.50% · 4.625%
HK$87,462
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,166/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,663
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,234
−HK$2,612/mo
Today · 4.125%
HK$87,846
baseline
▲ 0.50% · 4.625%
HK$93,192
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,692/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,961
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,428
−HK$2,502/mo
Today · 4.125%
HK$96,930
baseline
▲ 0.50% · 4.625%
HK$102,039
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,860/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,281
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,587
−HK$3,358/mo
Today · 4.125%
HK$112,945
baseline
▲ 0.50% · 4.625%
HK$119,818
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,890/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,236
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,407
−HK$3,217/mo
Today · 4.125%
HK$124,624
baseline
▲ 0.50% · 4.625%
HK$131,193
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,248/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,493 · Scale 2, in force from 26 Feb 2026)