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$60,372
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,250
−HK$1,908/mo
Today · 4.125%
HK$64,158
baseline
▲ 0.50% · 4.625%
HK$68,062
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,316/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,164
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,965
−HK$1,827/mo
Today · 4.125%
HK$70,792
baseline
▲ 0.50% · 4.625%
HK$74,524
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,584/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,447
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,701
−HK$2,289/mo
Today · 4.125%
HK$76,990
baseline
▲ 0.50% · 4.625%
HK$81,675
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,980/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,597
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,758
−HK$2,193/mo
Today · 4.125%
HK$84,951
baseline
▲ 0.50% · 4.625%
HK$89,429
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,902/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,521
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,151
−HK$2,671/mo
Today · 4.125%
HK$89,822
baseline
▲ 0.50% · 4.625%
HK$95,287
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,644/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,029
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,551
−HK$2,558/mo
Today · 4.125%
HK$99,109
baseline
▲ 0.50% · 4.625%
HK$104,334
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,218/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,670
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,051
−HK$3,434/mo
Today · 4.125%
HK$115,485
baseline
▲ 0.50% · 4.625%
HK$122,512
+HK$7,027/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,970/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,895
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,137
−HK$3,289/mo
Today · 4.125%
HK$127,426
baseline
▲ 0.50% · 4.625%
HK$134,143
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,852/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,238 · Scale 2, in force from 26 Feb 2026)