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$59,646
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,502
−HK$1,885/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$67,243
+HK$3,856/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,356
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,135
−HK$1,806/mo
Today · 4.125%
HK$69,941
baseline
▲ 0.50% · 4.625%
HK$73,627
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,882/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,575
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,802
−HK$2,262/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,692
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,627
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,762
−HK$2,167/mo
Today · 4.125%
HK$83,929
baseline
▲ 0.50% · 4.625%
HK$88,353
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,858/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,505
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,102
−HK$2,639/mo
Today · 4.125%
HK$88,741
baseline
▲ 0.50% · 4.625%
HK$94,141
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,482/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,898
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,390
−HK$2,527/mo
Today · 4.125%
HK$97,917
baseline
▲ 0.50% · 4.625%
HK$103,078
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,834/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,363
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,703
−HK$3,393/mo
Today · 4.125%
HK$114,096
baseline
▲ 0.50% · 4.625%
HK$121,038
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,192/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,440
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,644
−HK$3,249/mo
Today · 4.125%
HK$125,893
baseline
▲ 0.50% · 4.625%
HK$132,529
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,786/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,701 · Scale 2, in force from 26 Feb 2026)