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$60,535
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,913/mo
Today · 4.125%
HK$64,331
baseline
▲ 0.50% · 4.625%
HK$68,245
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,662/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,344
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,150
−HK$1,833/mo
Today · 4.125%
HK$70,983
baseline
▲ 0.50% · 4.625%
HK$74,724
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,966/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,642
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,901
−HK$2,296/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,894
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,813
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,981
−HK$2,198/mo
Today · 4.125%
HK$85,179
baseline
▲ 0.50% · 4.625%
HK$89,669
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,358/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,749
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,385
−HK$2,678/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$95,543
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,282
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,811
−HK$2,565/mo
Today · 4.125%
HK$99,376
baseline
▲ 0.50% · 4.625%
HK$104,614
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,752/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,963
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,352
−HK$3,444/mo
Today · 4.125%
HK$115,796
baseline
▲ 0.50% · 4.625%
HK$122,841
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,592/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,220
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,471
−HK$3,298/mo
Today · 4.125%
HK$127,769
baseline
▲ 0.50% · 4.625%
HK$134,504
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,538/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,264 · Scale 2, in force from 26 Feb 2026)