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$60,251
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,904/mo
Today · 4.125%
HK$64,029
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,058/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,028
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,826
−HK$1,824/mo
Today · 4.125%
HK$70,650
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,300/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,301
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,550
−HK$2,285/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$81,510
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,434
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,591
−HK$2,188/mo
Today · 4.125%
HK$84,779
baseline
▲ 0.50% · 4.625%
HK$89,248
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,558/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,351
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,975
−HK$2,665/mo
Today · 4.125%
HK$89,640
baseline
▲ 0.50% · 4.625%
HK$95,095
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,280/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,839
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,356
−HK$2,553/mo
Today · 4.125%
HK$98,909
baseline
▲ 0.50% · 4.625%
HK$104,123
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,818/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,451
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,825
−HK$3,427/mo
Today · 4.125%
HK$115,252
baseline
▲ 0.50% · 4.625%
HK$122,265
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,504/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,651
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,887
−HK$3,282/mo
Today · 4.125%
HK$127,169
baseline
▲ 0.50% · 4.625%
HK$133,872
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,338/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,967 · Scale 2, in force from 26 Feb 2026)