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$59,668
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,524
−HK$1,885/mo
Today · 4.125%
HK$63,409
baseline
▲ 0.50% · 4.625%
HK$67,268
+HK$3,859/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,818/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,380
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,160
−HK$1,806/mo
Today · 4.125%
HK$69,966
baseline
▲ 0.50% · 4.625%
HK$73,654
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,932/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,601
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,828
−HK$2,263/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,721
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,656
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,792
−HK$2,167/mo
Today · 4.125%
HK$83,959
baseline
▲ 0.50% · 4.625%
HK$88,385
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,918/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,535
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,133
−HK$2,640/mo
Today · 4.125%
HK$88,773
baseline
▲ 0.50% · 4.625%
HK$94,175
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,546/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,932
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,424
−HK$2,528/mo
Today · 4.125%
HK$97,952
baseline
▲ 0.50% · 4.625%
HK$103,116
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,904/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,402
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,743
−HK$3,394/mo
Today · 4.125%
HK$114,137
baseline
▲ 0.50% · 4.625%
HK$121,082
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,274/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,483
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,688
−HK$3,251/mo
Today · 4.125%
HK$125,939
baseline
▲ 0.50% · 4.625%
HK$132,577
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,878/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,102 · Scale 2, in force from 26 Feb 2026)