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$58,023
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,828
−HK$1,834/mo
Today · 4.125%
HK$61,662
baseline
▲ 0.50% · 4.625%
HK$65,414
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,324/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,550
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,281
−HK$1,756/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$71,624
+HK$3,587/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,628
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$2,201/mo
Today · 4.125%
HK$73,994
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,988/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,460
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,108/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$85,949
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,232
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,759
−HK$2,567/mo
Today · 4.125%
HK$86,326
baseline
▲ 0.50% · 4.625%
HK$91,579
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,652/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,370
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,794
−HK$2,458/mo
Today · 4.125%
HK$95,252
baseline
▲ 0.50% · 4.625%
HK$100,273
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,504/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,441
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,690
−HK$3,301/mo
Today · 4.125%
HK$110,991
baseline
▲ 0.50% · 4.625%
HK$117,744
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,982/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,190
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,306
−HK$3,161/mo
Today · 4.125%
HK$122,467
baseline
▲ 0.50% · 4.625%
HK$128,923
+HK$6,456/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,934/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,448 · Scale 2, in force from 26 Feb 2026)