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$60,055
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,923
−HK$1,898/mo
Today · 4.125%
HK$63,821
baseline
▲ 0.50% · 4.625%
HK$67,704
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,642/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,810
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,602
−HK$1,818/mo
Today · 4.125%
HK$70,420
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,840/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,066
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,307
−HK$2,278/mo
Today · 4.125%
HK$76,585
baseline
▲ 0.50% · 4.625%
HK$81,245
+HK$4,660/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,170/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,172
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,322
−HK$2,182/mo
Today · 4.125%
HK$84,504
baseline
▲ 0.50% · 4.625%
HK$88,958
+HK$4,454/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$169,008/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,077
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,657/mo
Today · 4.125%
HK$89,349
baseline
▲ 0.50% · 4.625%
HK$94,786
+HK$5,437/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,698/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,534
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,043
−HK$2,545/mo
Today · 4.125%
HK$98,588
baseline
▲ 0.50% · 4.625%
HK$103,784
+HK$5,196/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,176/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,098
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,461
−HK$3,416/mo
Today · 4.125%
HK$114,877
baseline
▲ 0.50% · 4.625%
HK$121,867
+HK$6,990/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,754/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,258
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,484
−HK$3,272/mo
Today · 4.125%
HK$126,756
baseline
▲ 0.50% · 4.625%
HK$133,437
+HK$6,681/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,512/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,315 · Scale 2, in force from 26 Feb 2026)