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$58,643
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,468
−HK$1,853/mo
Today · 4.125%
HK$62,321
baseline
▲ 0.50% · 4.625%
HK$66,113
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,642/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,240
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,990
−HK$1,775/mo
Today · 4.125%
HK$68,765
baseline
▲ 0.50% · 4.625%
HK$72,390
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,530/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,372
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,561
−HK$2,224/mo
Today · 4.125%
HK$74,785
baseline
▲ 0.50% · 4.625%
HK$79,335
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,570/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,288
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,388
−HK$2,130/mo
Today · 4.125%
HK$82,518
baseline
▲ 0.50% · 4.625%
HK$86,867
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,036/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,101
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,655
−HK$2,594/mo
Today · 4.125%
HK$87,249
baseline
▲ 0.50% · 4.625%
HK$92,558
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,498/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,336
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,786
−HK$2,485/mo
Today · 4.125%
HK$96,271
baseline
▲ 0.50% · 4.625%
HK$101,345
+HK$5,074/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,542/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,558
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,842
−HK$3,335/mo
Today · 4.125%
HK$112,177
baseline
▲ 0.50% · 4.625%
HK$119,003
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,354/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,432
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,582
−HK$3,195/mo
Today · 4.125%
HK$123,777
baseline
▲ 0.50% · 4.625%
HK$130,301
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,554/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,093,011 · Scale 2, in force from 26 Feb 2026)