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$60,781
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,671
−HK$1,921/mo
Today · 4.125%
HK$64,592
baseline
▲ 0.50% · 4.625%
HK$68,523
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,184/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,618
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,431
−HK$1,840/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$3,757/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,937
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$2,305/mo
Today · 4.125%
HK$77,511
baseline
▲ 0.50% · 4.625%
HK$82,227
+HK$4,716/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$155,022/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,142
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,207/mo
Today · 4.125%
HK$85,525
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$4,509/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,050/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,093
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,740
−HK$2,689/mo
Today · 4.125%
HK$90,429
baseline
▲ 0.50% · 4.625%
HK$95,932
+HK$5,503/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,858/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,665
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,204
−HK$2,576/mo
Today · 4.125%
HK$99,780
baseline
▲ 0.50% · 4.625%
HK$105,039
+HK$5,259/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,560/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,405
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,808
−HK$3,458/mo
Today · 4.125%
HK$116,266
baseline
▲ 0.50% · 4.625%
HK$123,341
+HK$7,075/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,532/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,712
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$124,977
−HK$3,311/mo
Today · 4.125%
HK$128,288
baseline
▲ 0.50% · 4.625%
HK$135,050
+HK$6,762/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,576/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,847 · Scale 2, in force from 26 Feb 2026)