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$59,764
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,624
−HK$1,888/mo
Today · 4.125%
HK$63,512
baseline
▲ 0.50% · 4.625%
HK$67,377
+HK$3,865/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,024/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,271
−HK$1,808/mo
Today · 4.125%
HK$70,079
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,158/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,717
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,948
−HK$2,267/mo
Today · 4.125%
HK$76,215
baseline
▲ 0.50% · 4.625%
HK$80,852
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$152,430/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,785
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,925
−HK$2,170/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$88,528
+HK$4,433/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,670
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,273
−HK$2,644/mo
Today · 4.125%
HK$88,917
baseline
▲ 0.50% · 4.625%
HK$94,328
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,834/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,082
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,579
−HK$2,532/mo
Today · 4.125%
HK$98,111
baseline
▲ 0.50% · 4.625%
HK$103,283
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,222/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,576
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,922
−HK$3,400/mo
Today · 4.125%
HK$114,322
baseline
▲ 0.50% · 4.625%
HK$121,278
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,644/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,677
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,887
−HK$3,256/mo
Today · 4.125%
HK$126,143
baseline
▲ 0.50% · 4.625%
HK$132,792
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,286/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,906 · Scale 2, in force from 26 Feb 2026)