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$59,958
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,895/mo
Today · 4.125%
HK$63,718
baseline
▲ 0.50% · 4.625%
HK$67,595
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,436/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,703
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,492
−HK$1,815/mo
Today · 4.125%
HK$70,307
baseline
▲ 0.50% · 4.625%
HK$74,013
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,614/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,188
−HK$2,274/mo
Today · 4.125%
HK$76,462
baseline
▲ 0.50% · 4.625%
HK$81,114
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,924/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,044
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,190
−HK$2,178/mo
Today · 4.125%
HK$84,368
baseline
▲ 0.50% · 4.625%
HK$88,815
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,736/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,942
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,553
−HK$2,652/mo
Today · 4.125%
HK$89,205
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,410/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,384
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,889
−HK$2,540/mo
Today · 4.125%
HK$98,429
baseline
▲ 0.50% · 4.625%
HK$103,618
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,858/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,925
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,282
−HK$3,411/mo
Today · 4.125%
HK$114,693
baseline
▲ 0.50% · 4.625%
HK$121,672
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,386/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,065
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,285
−HK$3,267/mo
Today · 4.125%
HK$126,552
baseline
▲ 0.50% · 4.625%
HK$133,223
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,104/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,518 · Scale 2, in force from 26 Feb 2026)