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$61,113
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,013
−HK$1,932/mo
Today · 4.125%
HK$64,945
baseline
▲ 0.50% · 4.625%
HK$68,897
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,890/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,987
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,810
−HK$1,850/mo
Today · 4.125%
HK$71,660
baseline
▲ 0.50% · 4.625%
HK$75,438
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,320/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,335
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,616
−HK$2,318/mo
Today · 4.125%
HK$77,934
baseline
▲ 0.50% · 4.625%
HK$82,676
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,868/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,584
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,773
−HK$2,219/mo
Today · 4.125%
HK$85,992
baseline
▲ 0.50% · 4.625%
HK$90,525
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,984/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,558
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,219
−HK$2,704/mo
Today · 4.125%
HK$90,923
baseline
▲ 0.50% · 4.625%
HK$96,455
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,846/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,182
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,735
−HK$2,589/mo
Today · 4.125%
HK$100,324
baseline
▲ 0.50% · 4.625%
HK$105,613
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,648/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,003
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,424
−HK$3,477/mo
Today · 4.125%
HK$116,901
baseline
▲ 0.50% · 4.625%
HK$124,014
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,802/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,377
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,659
−HK$3,329/mo
Today · 4.125%
HK$128,988
baseline
▲ 0.50% · 4.625%
HK$135,788
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,976/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,031 · Scale 2, in force from 26 Feb 2026)