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$57,108
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,885
−HK$1,804/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,532
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,236
−HK$1,729/mo
Today · 4.125%
HK$66,965
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,930/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$2,166/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,075/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,438
−HK$2,527/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,945
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,331
−HK$2,420/mo
Today · 4.125%
HK$93,751
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,502/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,795
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,992
−HK$3,249/mo
Today · 4.125%
HK$109,241
baseline
▲ 0.50% · 4.625%
HK$115,888
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,482/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,358
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,425
−HK$3,111/mo
Today · 4.125%
HK$120,536
baseline
▲ 0.50% · 4.625%
HK$126,890
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,072/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,396 · Scale 2, in force from 26 Feb 2026)