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$60,250
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,124
−HK$1,904/mo
Today · 4.125%
HK$64,028
baseline
▲ 0.50% · 4.625%
HK$67,924
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,056/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,028
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,825
−HK$1,824/mo
Today · 4.125%
HK$70,649
baseline
▲ 0.50% · 4.625%
HK$74,373
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,298/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,300
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,549
−HK$2,285/mo
Today · 4.125%
HK$76,834
baseline
▲ 0.50% · 4.625%
HK$81,509
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,668/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,433
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,590
−HK$2,189/mo
Today · 4.125%
HK$84,779
baseline
▲ 0.50% · 4.625%
HK$89,247
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,558/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,350
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,974
−HK$2,665/mo
Today · 4.125%
HK$89,639
baseline
▲ 0.50% · 4.625%
HK$95,094
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,278/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,839
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,355
−HK$2,553/mo
Today · 4.125%
HK$98,908
baseline
▲ 0.50% · 4.625%
HK$104,122
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,816/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,450
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,823
−HK$3,428/mo
Today · 4.125%
HK$115,251
baseline
▲ 0.50% · 4.625%
HK$122,263
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,502/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,650
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,885
−HK$3,283/mo
Today · 4.125%
HK$127,168
baseline
▲ 0.50% · 4.625%
HK$133,871
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,336/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,955 · Scale 2, in force from 26 Feb 2026)