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$59,563
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,416
−HK$1,882/mo
Today · 4.125%
HK$63,298
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,596/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,263
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,041
−HK$1,802/mo
Today · 4.125%
HK$69,843
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,686/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,476
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,699
−HK$2,259/mo
Today · 4.125%
HK$75,958
baseline
▲ 0.50% · 4.625%
HK$80,580
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,916/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,649
−HK$2,163/mo
Today · 4.125%
HK$83,812
baseline
▲ 0.50% · 4.625%
HK$88,230
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,624/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,388
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,982
−HK$2,636/mo
Today · 4.125%
HK$88,618
baseline
▲ 0.50% · 4.625%
HK$94,010
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,236/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,769
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,257
−HK$2,524/mo
Today · 4.125%
HK$97,781
baseline
▲ 0.50% · 4.625%
HK$102,935
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,562/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,214
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,549
−HK$3,388/mo
Today · 4.125%
HK$113,937
baseline
▲ 0.50% · 4.625%
HK$120,870
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,874/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,274
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,473
−HK$3,245/mo
Today · 4.125%
HK$125,718
baseline
▲ 0.50% · 4.625%
HK$132,345
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,436/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,154 · Scale 2, in force from 26 Feb 2026)