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$60,039
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,897/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,686
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,584
−HK$1,817/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,112
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,047
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,288
−HK$2,277/mo
Today · 4.125%
HK$76,565
baseline
▲ 0.50% · 4.625%
HK$81,224
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,130/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,151
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,301
−HK$2,181/mo
Today · 4.125%
HK$84,482
baseline
▲ 0.50% · 4.625%
HK$88,935
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,964/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,055
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,669
−HK$2,657/mo
Today · 4.125%
HK$89,326
baseline
▲ 0.50% · 4.625%
HK$94,761
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,652/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,510
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,018
−HK$2,544/mo
Today · 4.125%
HK$98,562
baseline
▲ 0.50% · 4.625%
HK$103,757
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,124/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,070
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,432
−HK$3,415/mo
Today · 4.125%
HK$114,847
baseline
▲ 0.50% · 4.625%
HK$121,835
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,694/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,227
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,451
−HK$3,272/mo
Today · 4.125%
HK$126,723
baseline
▲ 0.50% · 4.625%
HK$133,402
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,446/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,023 · Scale 2, in force from 26 Feb 2026)