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$59,258
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,102
−HK$1,872/mo
Today · 4.125%
HK$62,974
baseline
▲ 0.50% · 4.625%
HK$66,806
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,948/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,924
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,692
−HK$1,794/mo
Today · 4.125%
HK$69,486
baseline
▲ 0.50% · 4.625%
HK$73,149
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,972/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,110
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,322
−HK$2,247/mo
Today · 4.125%
HK$75,569
baseline
▲ 0.50% · 4.625%
HK$80,168
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,138/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,109
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,231
−HK$2,152/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$87,779
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,962
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,542
−HK$2,622/mo
Today · 4.125%
HK$88,164
baseline
▲ 0.50% · 4.625%
HK$93,529
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,328/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,294
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,769
−HK$2,512/mo
Today · 4.125%
HK$97,281
baseline
▲ 0.50% · 4.625%
HK$102,408
+HK$5,127/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,562/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,665
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,983
−HK$3,371/mo
Today · 4.125%
HK$113,354
baseline
▲ 0.50% · 4.625%
HK$120,251
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,708/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,664
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,846
−HK$3,229/mo
Today · 4.125%
HK$125,075
baseline
▲ 0.50% · 4.625%
HK$131,668
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,150/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,475 · Scale 2, in force from 26 Feb 2026)