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$58,402
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,846/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,971
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$1,768/mo
Today · 4.125%
HK$68,482
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$3,609/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,964/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,082
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,262
−HK$2,215/mo
Today · 4.125%
HK$74,477
baseline
▲ 0.50% · 4.625%
HK$79,009
+HK$4,532/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,954/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,966
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,057
−HK$2,121/mo
Today · 4.125%
HK$82,178
baseline
▲ 0.50% · 4.625%
HK$86,510
+HK$4,332/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,356/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,763
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,306
−HK$2,584/mo
Today · 4.125%
HK$86,890
baseline
▲ 0.50% · 4.625%
HK$92,177
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,780/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,960
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,400
−HK$2,474/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$100,928
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,123
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,393
−HK$3,322/mo
Today · 4.125%
HK$111,715
baseline
▲ 0.50% · 4.625%
HK$118,513
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,949
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,085
−HK$3,182/mo
Today · 4.125%
HK$123,267
baseline
▲ 0.50% · 4.625%
HK$129,765
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,534/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,509 · Scale 2, in force from 26 Feb 2026)