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$59,750
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,608
−HK$1,889/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$67,360
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,471
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,254
−HK$1,808/mo
Today · 4.125%
HK$70,062
baseline
▲ 0.50% · 4.625%
HK$73,755
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,124/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,700
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,930
−HK$2,266/mo
Today · 4.125%
HK$76,196
baseline
▲ 0.50% · 4.625%
HK$80,832
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,392/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,765
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,904
−HK$2,171/mo
Today · 4.125%
HK$84,075
baseline
▲ 0.50% · 4.625%
HK$88,506
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,150/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,650
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,252
−HK$2,643/mo
Today · 4.125%
HK$88,895
baseline
▲ 0.50% · 4.625%
HK$94,304
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,790/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,059
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,555
−HK$2,532/mo
Today · 4.125%
HK$98,087
baseline
▲ 0.50% · 4.625%
HK$103,257
+HK$5,170/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,174/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,550
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,895
−HK$3,399/mo
Today · 4.125%
HK$114,294
baseline
▲ 0.50% · 4.625%
HK$121,248
+HK$6,954/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,588/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,648
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,857
−HK$3,255/mo
Today · 4.125%
HK$126,112
baseline
▲ 0.50% · 4.625%
HK$132,760
+HK$6,648/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,224/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,631 · Scale 2, in force from 26 Feb 2026)