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$58,603
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,426
−HK$1,852/mo
Today · 4.125%
HK$62,278
baseline
▲ 0.50% · 4.625%
HK$66,067
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,556/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,195
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,944
−HK$1,773/mo
Today · 4.125%
HK$68,717
baseline
▲ 0.50% · 4.625%
HK$72,340
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,434/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,511
−HK$2,222/mo
Today · 4.125%
HK$74,733
baseline
▲ 0.50% · 4.625%
HK$79,281
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,466/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,234
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,332
−HK$2,129/mo
Today · 4.125%
HK$82,461
baseline
▲ 0.50% · 4.625%
HK$86,807
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,922/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,044
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,596
−HK$2,593/mo
Today · 4.125%
HK$87,189
baseline
▲ 0.50% · 4.625%
HK$92,494
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,378/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,273
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,721
−HK$2,483/mo
Today · 4.125%
HK$96,204
baseline
▲ 0.50% · 4.625%
HK$101,275
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,408/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,485
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,766
−HK$3,334/mo
Today · 4.125%
HK$112,100
baseline
▲ 0.50% · 4.625%
HK$118,921
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,200/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,351
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,498
−HK$3,193/mo
Today · 4.125%
HK$123,691
baseline
▲ 0.50% · 4.625%
HK$130,211
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,382/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,256 · Scale 2, in force from 26 Feb 2026)