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$59,652
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,508
−HK$1,885/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,363
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,142
−HK$1,806/mo
Today · 4.125%
HK$69,948
baseline
▲ 0.50% · 4.625%
HK$73,635
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,896/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,583
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$2,263/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,700
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,635
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,167/mo
Today · 4.125%
HK$83,938
baseline
▲ 0.50% · 4.625%
HK$88,362
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,876/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,513
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,639/mo
Today · 4.125%
HK$88,750
baseline
▲ 0.50% · 4.625%
HK$94,151
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,500/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,908
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,399
−HK$2,528/mo
Today · 4.125%
HK$97,927
baseline
▲ 0.50% · 4.625%
HK$103,089
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,854/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,374
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,714
−HK$3,394/mo
Today · 4.125%
HK$114,108
baseline
▲ 0.50% · 4.625%
HK$121,051
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,216/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,453
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,656
−HK$3,250/mo
Today · 4.125%
HK$125,906
baseline
▲ 0.50% · 4.625%
HK$132,543
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,812/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,816 · Scale 2, in force from 26 Feb 2026)