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$60,052
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,898/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,702
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,600
−HK$1,817/mo
Today · 4.125%
HK$70,417
baseline
▲ 0.50% · 4.625%
HK$74,129
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,834/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,063
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$2,277/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,660/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,169
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,319
−HK$2,182/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$88,955
+HK$4,454/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,073
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,689
−HK$2,657/mo
Today · 4.125%
HK$89,346
baseline
▲ 0.50% · 4.625%
HK$94,782
+HK$5,436/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,692/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,531
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,039
−HK$2,545/mo
Today · 4.125%
HK$98,584
baseline
▲ 0.50% · 4.625%
HK$103,781
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,168/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,094
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,457
−HK$3,416/mo
Today · 4.125%
HK$114,873
baseline
▲ 0.50% · 4.625%
HK$121,863
+HK$6,990/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,746/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,254
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,479
−HK$3,272/mo
Today · 4.125%
HK$126,751
baseline
▲ 0.50% · 4.625%
HK$133,432
+HK$6,681/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,502/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,274 · Scale 2, in force from 26 Feb 2026)