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$59,102
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,940
−HK$1,868/mo
Today · 4.125%
HK$62,808
baseline
▲ 0.50% · 4.625%
HK$66,630
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,616/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,750
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,514
−HK$1,789/mo
Today · 4.125%
HK$69,303
baseline
▲ 0.50% · 4.625%
HK$72,956
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,606/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,129
−HK$2,241/mo
Today · 4.125%
HK$75,370
baseline
▲ 0.50% · 4.625%
HK$79,956
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,740/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,900
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,017
−HK$2,146/mo
Today · 4.125%
HK$83,163
baseline
▲ 0.50% · 4.625%
HK$87,547
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,326/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,743
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,317
−HK$2,615/mo
Today · 4.125%
HK$87,932
baseline
▲ 0.50% · 4.625%
HK$93,282
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,864/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,051
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,519
−HK$2,505/mo
Today · 4.125%
HK$97,024
baseline
▲ 0.50% · 4.625%
HK$102,138
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,048/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,384
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,693
−HK$3,362/mo
Today · 4.125%
HK$113,055
baseline
▲ 0.50% · 4.625%
HK$119,934
+HK$6,879/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,110/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,351
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,525
−HK$3,220/mo
Today · 4.125%
HK$124,745
baseline
▲ 0.50% · 4.625%
HK$131,320
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,490/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,559 · Scale 2, in force from 26 Feb 2026)