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$60,248
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,122
−HK$1,904/mo
Today · 4.125%
HK$64,026
baseline
▲ 0.50% · 4.625%
HK$67,922
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,052/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,025
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,823
−HK$1,823/mo
Today · 4.125%
HK$70,646
baseline
▲ 0.50% · 4.625%
HK$74,370
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,292/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,297
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,546
−HK$2,285/mo
Today · 4.125%
HK$76,831
baseline
▲ 0.50% · 4.625%
HK$81,506
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,662/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,430
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,587
−HK$2,188/mo
Today · 4.125%
HK$84,775
baseline
▲ 0.50% · 4.625%
HK$89,244
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,550/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,347
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,666/mo
Today · 4.125%
HK$89,636
baseline
▲ 0.50% · 4.625%
HK$95,090
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,272/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,835
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,352
−HK$2,553/mo
Today · 4.125%
HK$98,905
baseline
▲ 0.50% · 4.625%
HK$104,118
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,810/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,446
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,819
−HK$3,427/mo
Today · 4.125%
HK$115,246
baseline
▲ 0.50% · 4.625%
HK$122,259
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,492/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,645
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,881
−HK$3,282/mo
Today · 4.125%
HK$127,163
baseline
▲ 0.50% · 4.625%
HK$133,866
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,326/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,912 · Scale 2, in force from 26 Feb 2026)