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$60,762
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,652
−HK$1,921/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$68,502
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,410
−HK$1,839/mo
Today · 4.125%
HK$71,249
baseline
▲ 0.50% · 4.625%
HK$75,005
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,498/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,915
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,183
−HK$2,304/mo
Today · 4.125%
HK$77,487
baseline
▲ 0.50% · 4.625%
HK$82,202
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,974/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,117
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,292
−HK$2,207/mo
Today · 4.125%
HK$85,499
baseline
▲ 0.50% · 4.625%
HK$90,006
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,998/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,067
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,689/mo
Today · 4.125%
HK$90,402
baseline
▲ 0.50% · 4.625%
HK$95,902
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,804/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,636
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,174
−HK$2,575/mo
Today · 4.125%
HK$99,749
baseline
▲ 0.50% · 4.625%
HK$105,007
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,498/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,372
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,774
−HK$3,457/mo
Today · 4.125%
HK$116,231
baseline
▲ 0.50% · 4.625%
HK$123,303
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,462/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,675
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,939
−HK$3,310/mo
Today · 4.125%
HK$128,249
baseline
▲ 0.50% · 4.625%
HK$135,009
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,498/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,503 · Scale 2, in force from 26 Feb 2026)