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$60,577
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,462
−HK$1,914/mo
Today · 4.125%
HK$64,376
baseline
▲ 0.50% · 4.625%
HK$68,293
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,752/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,392
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,199
−HK$1,834/mo
Today · 4.125%
HK$71,033
baseline
▲ 0.50% · 4.625%
HK$74,777
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,066/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,693
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,954
−HK$2,297/mo
Today · 4.125%
HK$77,251
baseline
▲ 0.50% · 4.625%
HK$81,952
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,502/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,870
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,039
−HK$2,200/mo
Today · 4.125%
HK$85,239
baseline
▲ 0.50% · 4.625%
HK$89,732
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,478/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,808
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,446
−HK$2,681/mo
Today · 4.125%
HK$90,127
baseline
▲ 0.50% · 4.625%
HK$95,610
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,254/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,348
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,879
−HK$2,567/mo
Today · 4.125%
HK$99,446
baseline
▲ 0.50% · 4.625%
HK$104,688
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,892/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,039
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,431
−HK$3,446/mo
Today · 4.125%
HK$115,877
baseline
▲ 0.50% · 4.625%
HK$122,928
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,754/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,305
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,558
−HK$3,301/mo
Today · 4.125%
HK$127,859
baseline
▲ 0.50% · 4.625%
HK$134,598
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,718/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,056 · Scale 2, in force from 26 Feb 2026)