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$58,532
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,353
−HK$1,850/mo
Today · 4.125%
HK$62,203
baseline
▲ 0.50% · 4.625%
HK$65,988
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,406/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,117
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,863
−HK$1,772/mo
Today · 4.125%
HK$68,635
baseline
▲ 0.50% · 4.625%
HK$72,253
+HK$3,618/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,270/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,239
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,424
−HK$2,220/mo
Today · 4.125%
HK$74,644
baseline
▲ 0.50% · 4.625%
HK$79,185
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,288/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,140
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,236
−HK$2,126/mo
Today · 4.125%
HK$82,362
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,724/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,945
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,494
−HK$2,590/mo
Today · 4.125%
HK$87,084
baseline
▲ 0.50% · 4.625%
HK$92,383
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,168/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,163
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,608
−HK$2,481/mo
Today · 4.125%
HK$96,089
baseline
▲ 0.50% · 4.625%
HK$101,154
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,178/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,358
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,636
−HK$3,329/mo
Today · 4.125%
HK$111,965
baseline
▲ 0.50% · 4.625%
HK$118,778
+HK$6,813/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,930/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,210
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,354
−HK$3,189/mo
Today · 4.125%
HK$123,543
baseline
▲ 0.50% · 4.625%
HK$130,055
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,086/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,943 · Scale 2, in force from 26 Feb 2026)