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$58,434
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,847/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,877
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$1,769/mo
Today · 4.125%
HK$68,519
baseline
▲ 0.50% · 4.625%
HK$72,131
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,038/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,121
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,302
−HK$2,216/mo
Today · 4.125%
HK$74,518
baseline
▲ 0.50% · 4.625%
HK$79,052
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,036/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,122/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,807
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,352
−HK$2,585/mo
Today · 4.125%
HK$86,937
baseline
▲ 0.50% · 4.625%
HK$92,227
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,874/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,010
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,451
−HK$2,476/mo
Today · 4.125%
HK$95,927
baseline
▲ 0.50% · 4.625%
HK$100,983
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,854/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,181
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,453
−HK$3,324/mo
Today · 4.125%
HK$111,777
baseline
▲ 0.50% · 4.625%
HK$118,578
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,554/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,013
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,151
−HK$3,183/mo
Today · 4.125%
HK$123,334
baseline
▲ 0.50% · 4.625%
HK$129,836
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,668/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,105 · Scale 2, in force from 26 Feb 2026)