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$58,920
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,862/mo
Today · 4.125%
HK$62,614
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,228/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,548
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,305
−HK$1,784/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,704
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,903
−HK$2,234/mo
Today · 4.125%
HK$75,137
baseline
▲ 0.50% · 4.625%
HK$79,709
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,274/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,657
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,767
−HK$2,140/mo
Today · 4.125%
HK$82,907
baseline
▲ 0.50% · 4.625%
HK$87,277
+HK$4,370/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,814/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,488
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,607/mo
Today · 4.125%
HK$87,660
baseline
▲ 0.50% · 4.625%
HK$92,994
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,320/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,767
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,228
−HK$2,496/mo
Today · 4.125%
HK$96,724
baseline
▲ 0.50% · 4.625%
HK$101,823
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,448/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,055
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,354
−HK$3,352/mo
Today · 4.125%
HK$112,706
baseline
▲ 0.50% · 4.625%
HK$119,564
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,412/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,986
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,150
−HK$3,210/mo
Today · 4.125%
HK$124,360
baseline
▲ 0.50% · 4.625%
HK$130,915
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,720/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,160 · Scale 2, in force from 26 Feb 2026)