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$57,635
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,428
−HK$1,822/mo
Today · 4.125%
HK$61,250
baseline
▲ 0.50% · 4.625%
HK$64,976
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,500/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,119
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,838
−HK$1,745/mo
Today · 4.125%
HK$67,583
baseline
▲ 0.50% · 4.625%
HK$71,145
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,166/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,162
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,314
−HK$2,185/mo
Today · 4.125%
HK$73,499
baseline
▲ 0.50% · 4.625%
HK$77,972
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$146,998/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,942
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,006
−HK$2,093/mo
Today · 4.125%
HK$81,099
baseline
▲ 0.50% · 4.625%
HK$85,374
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,198/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,689
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,199
−HK$2,550/mo
Today · 4.125%
HK$85,749
baseline
▲ 0.50% · 4.625%
HK$90,967
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,498/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,766
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,174
−HK$2,442/mo
Today · 4.125%
HK$94,616
baseline
▲ 0.50% · 4.625%
HK$99,603
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,232/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,743
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,970
−HK$3,279/mo
Today · 4.125%
HK$110,249
baseline
▲ 0.50% · 4.625%
HK$116,958
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,498/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,414
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,509
−HK$3,140/mo
Today · 4.125%
HK$121,649
baseline
▲ 0.50% · 4.625%
HK$128,061
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,298/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,221 · Scale 2, in force from 26 Feb 2026)